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Fantastic. Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just a little quick security check there for you as well just because we are discussing your personal information. I'll get you to confirm your full name, your date of birth, and address I should have on file here. Yeah. Lovely. Thank you so much for that. Carrie, as part of your annual review, I do send through some documents to you. Are you able to access your emails here at the moment? If you can't, it's okay. I can run through them. That's alright. Yeah. Not an issue. I'll send them through to you. That way, they're in your inbox ready to go for you to have a little a look at later on, and I'll run you through the bits and pieces that we need to, and we'll reassess your goals and see if there's any new advice to sort of look at providing for you this year. Okay? Excellent. How's your day been so far? Did you work today? Yeah? Are you finished for the day now? You get to put your feet up after this? Fantastic. Excellent. Carrie, firstly, I'll go through and give you a bit of an update on your sofa. Before I kinda go through that, is there any particular questions you might have for me today that you wanted me to sort of touch on, or is it just giving you an update on where things are at? And yeah. Fantastic. Well, just that was to give you an update on your balance there. So as of the August 26, which is when we provide the documents, that your super balance is sitting at a $185,390.41 there. So it is good. We have definitely seen an increase there for you. Your balance as of today's date were up to a 185,321 in your super there. So you've had a little bit more additional additional growth on the year. When we sort of look at how your investments have performed as a whole over the past twelve months there, the net return is showing 8.08%. So it is a good return. When we look back to your balance this time last year, you were sitting at a 163,619. Some people do prefer a a dollar figure as opposed to a percentage. So if you look at the gross plus the income within your super over the past twelve months after fees, you've made $16,911.85, sir. So it is good. You have seen a good increase in the last twelve months there and making just over 16,000. That is the growth and the income. So it's essentially the income that's being generated out of the portfolio and any additional growth there. That's not necessarily looking at your contributions going in. That's what the portfolio has generated. Yeah. And it's net of fees too. It it was set to be about a 8.08% return, which is actually very good for the year there as well. When I still look at how you invested with your portfolio, now my colleague, Kyle, he actually provided advice to you last year to alter your portfolio, and he's got you in more of a growth portfolio. I was having a look back at your goals last year when you sort spoke to him, and he kind of made mention, well, the goal I have here is that was that you wanted to ensure your super was actively invested and that you're getting the returns that will assist you with growth. Now I just wanted just to clarify, when you say actively managed, are you sort of looking at having active investment managers in your portfolio to take on a bit more risk to get greater potential returns, or is it more just having us sort of look after the portfolio? How did you sort of want things actively managed? Sorry. Hard questions. No. That's okay. One of the things I sorta noticed was because there are active managers, and one of the active managers you previously had in your super fund was Bennelong. You probably remember that was in your super fund back in the day. Bennelong is more of an actively managed fund. The good thing is that when Kyle provided that advice to you last year, that was around about July, that was all switched over, and you were moved out of that Bennelong investment. It worked in your favor because the portfolio he's put you in has actually performed better. Unfortunately, after that advice was provided, the Bennelong investment hasn't performed as well. So Kyle moved you out of that investment prior to it tanking and which means your your super has performed much greater than anyone that was still in that investment there. But you are in more of a passively managed portfolio. It's not more of an actively managed portfolio. The main difference between the two is having active managers means that those investment managers are trying to pick and tie the market. They're trying to pick when to invest, what to invest in. You can pay a little bit more in investment fees to have those sorts of active managers in your portfolio. And the other way to invest is more passive. So how do you portfolio. And the other way to invest is more passive. So having investments and ETFs that track the indices or track an index fund more often than not. Having passively managed portfolios can outperform and provide a greater return than having an active manager in there because the active manager doesn't always meet the benchmark. They don't always outperform against the market. They don't always time the market very well. Thinking forward, are you comfortable kind of having a more passively managed portfolio, or did you wanna take a bit more risk and have active managers in your portfolio? How do you feel about that? You're happy with that? Yeah. That's absolutely fine. The other thing I sort of wanted to touch on is when you do get a little bit older, sort of between the fifties and sixties, sometimes it is better to take a little bit less risk in the market where you can. You still wanna make your super work. But having those passively managed portfolios means that you are also diversifying and taking a little bit less risk in the market. They can also be cheaper. So a part of keeping your super working harder is trying to limit the amount of fees where possible. And so having a cheaper portfolio can mean more money stays invested, and you're super working harder for you. Does that all make sense so far? Yeah. Beautiful. Excellent. So I've sort of established you're happy to keep that passive portfolio. It is working really well with you, and, honestly, you've made a really great return this year, especially with the ups and downs the market has sort of felt and seen. So I'm pretty happy with that. What I still wanted to look at moving forward was what else we can kind of do to help provide a bit of additional growth to your super and kinda keep it working harder. When are you sorta hoping to retire? I had down here age 70. Is that still your goal age, or you think you'd like to retire earlier? What's your thoughts so far? Yeah. Depends. Yeah. Absolutely. Income wise, I have you earning about 73,000 per annum. Is that still correct, or has that gone up since last year? The same? Excellent. So another way I think we can sort of look at or another way of helping to boost your super and provide you know, make it work a bit harder for you is to increase contributions in the super. Are you in a position where you could be salary sacrificing or putting more into super to help grow it a little bit faster so you might be able to retire earlier? Okay. No. That's okay. That's not a problem at all. Did you want me to maybe sort of catch up, let's say, in six months when we can maybe reevaluate and see if that's something you're able to do maybe early next year? Would that be a possibility? Or Yeah. Excellent. Lovely. And, look, there are some other strategies. So having a look at things at the moment, you're 57 this year. So you just recently turned 57 in July there. When you do turn 60, there are other strategies that we can put in place as well. I'm not sure if anyone's ever spoken to you about a transition or time and strategy, but it's kind of a really cool strategy where you can be salary sacrificing or adding more contributions in the super. But because of your age, we'll be able to keep your take home pay the same and draw a little bit out to replenish your income. So when you do happen to turn 60, if you like, we can sort of reassess other strategies that might provide an option. Until then, essentially, your salary sacrificing or adding additional contributions is the best way to, you know, help you super work a little bit harder there. And I'm just making a note that we'll touch base in six months and reevaluate whether that's an option for you. Does that sound okay? Yeah. Beautiful. Under the current under the current legislation, if you decide to retire at the age of 60, which you can do, and access your super wholly, you can access it fully tax free. Are you sort of thinking you wanna retire around about that age, or are you sort of hoping to or wanting to continue working a bit longer than maybe age 65, 67? What age, realistically, would you like me to keep as a goal for you to work on? 65? Yep. Beautiful. I'll just update your goal there for you. Fantastic. And have you thought about what kind of income you might like to live on or draw down out of super in retirement? I think last time we caught up, you were thinking $500 per week. Is that still looking like your goal, or do you think you might need to live on more? Yeah. That's okay. Did you want me to maybe boost it up a bit more to say $6.07, or $1,000 a week for the goal just to sort of see? Yeah. Perfect. One of the big things is when we're sort of looking at the income component now, that's just sort of looking at a goal so we can kind of track things forward for you. But when you actually get to the point where you retire, at that time, we'll look at what you need to live on, what you want to live on, how much you need to drive a sleeper, and then how we draw that out. So up until the point you actually retire, it is just a goal, sort of looking at, you know, how we can sort of track and predict things forward. But we'll look at your income and your income needs at retirement when we get to that point for you. Okay. Excellent. Fantastic. Has there been any changes in your role over the last twelve months? You're still a machine operator? Have you had any promotions or changes to your job? Nice. And what does what does that mean you do on a daily basis? Yep. Beautiful. And it didn't come with a pay rise? That's a shame. You're definitely worth more. Absolutely. Well, I think you should definitely get on that when you get back to work. Absolutely. Fantastic. And then the other thing we do like to touch on is, obviously, your sleep is doing quite well. We've touched on the return then, that sort of aspect. Having a look at things now, you don't have any insurances, no life, TBD, income protection, trauma, insurance, or personal insurances like those. You sort of happy and comfortable not having any personal protection or personal insurances. Did you wanna sort of talk about what they are, how they can look after you, and what they look like? Or are you happy with the way things are structured? Life insurance? Yep. With the way life insurance is structured, so it pays out a lump sum benefit if you were to pass away. With not having any life insurance paid out of your super at the moment, it means that your your super balance is all that would be paid out to your beneficiary. Just to double check I have everything correct, in the event of passing, who is it that you want your super to be paid out to or your life benefit paid out to? Your siblings? Yep. That's okay. I'm just double checking to see what I have on record here for you under the beneficiaries. So I've got here your beneficiary nomination, 33 to be paid out to Courtney, 34 to Jake, and 33 to Jai. Is that correct? I have them noted as children. Is that accurate? Yep. Beautiful. So having the all it's paid out to your three children is the way you would like that to be paid. Yep. Beautiful. So having you think about the life cover, sort of looking at the way it's structured at the moment not having any additional life benefit if you were to pass away today, your super benefit is what's paid out to them. That's based on the balance of a $185,390.41 there. I can see here, looking at things, you don't have any debt. Is that right? Do you have a mortgage or any additional debts that would have to be paid out from that money? No. That's okay. Do you feel like that that $1.85 is enough that you would have paid out to your three children, or did you wanna look at getting a bit of life covered a supplement if you would have passed away? Or how do you feel? Yep. That's okay. Is there a set amount of life cover you would like to have for yourself, or is it just enough to meet a certain goal? Yeah. That's okay. So how it would sorta work is you would sorta give me a goal, and I go back and work out and look at all the different insurers to work out what kind of life cover would be available. I would need to also make sure my team can do a pre assessment with you. So when I'm looking at providing advice around insurances, we wanna understand your health in detail so we know when we go out to the market what kind of insurance contract would be offered for you, how it looks, what the cost of it might be. There's a few things that we definitely look at as part of the research there. Did you want me to go out and do all do that research for you and maybe update the advice to reflect to getting a life policy and what that might look for yourself and your super? Yep. Beautiful. After the call, I'll get you booked in with one of my lovely team to do a bit of a pre assessment, and then I can go out to the market and have a look at what's on offer. We'll come back with the advice, show you what we're recommending, and then it's up to you to decide whether you're happy to take those recommendations or not. Does that sound okay, Carrie? Yeah. Beautiful. So we're looking at life cover. Now do you think that maybe just the base level of life cover, a 100,200 thousand, $2.50, 500,000, what sort of benefit do you think you'd like to be covered for? About 300,000? Yep. Beautiful. So 300,000 then having your super paid out to your beneficiaries on top of that. So it's essentially giving you about 485,000 of cover. Does that sound appropriate? Are you fairly comfortable with that? Yep. Beautiful. There are other types of personal insurances like total permanent disability coverage, pays out a lump sum or an income stream if you're unable to ever go back to work again, income protection and trauma. Did you wanna look at any of those, or you're just happy to have a bit of life cover? Yeah. Yeah. Did you sort of want the same level of TBD as life, or is there a set goal or a set amount you would like to be covered for? That's okay. If we think about what TBD covers you for and what it is, it essentially pays out a benefit if you're never able to go back to work again. So if you think about the types of things that could go wrong in your job, things that could stop you from ever going back to work again, essentially, you would need to maybe I mean, you don't have any debts to pay out. But are you renting where you're located? Do you have rental costs on a weekly or fortnightly basis? Yeah. So if you weren't able to work again, those rental costs would definitely will absolutely continue. Plus, some people who are going through a TBD might have ongoing rehabilitation, might wanna replace their income for a certain period of time. They may, you know, need to make alterations to the car, things like that to support them with the disability that they encounter if the event that you were unable to go to work. Is there a certain level of income that you might wanna cover yourself for, like, you know, one, two, five, ten years of income replacement? No. That's okay. Did you want me to just look at the same level of TPD as life cover, make the recommendation, and show you what the cost of that is, the advantages, disadvantages, and risks? And then we can always readjust it if if that needs to be. Does that sound alright? Yeah. Beautiful. Sorry. I ask all the questions you've probably never thought about answering before. That's all good. And so we're just looking at life and TPD. You don't wanna look at any other types of insurances. You're fairly comfortable with everything else? Yeah. Beautiful. Excellent. I do have your assets noted down here. Now I do apologize. I have three cars noted. I don't know what types of cars they are. I'll update them with you now. The first one was valued at 20,000. Which of your vehicles would you value with that? Yeah. Okay. Alright. Beautiful. And would you still value it about the same? Yes. Fantastic. And there's no debt owing on that one. I owned completely outright. Fantastic. I've got a second vehicle noted down here. The asset value we had last year was 50,000. What sort of vehicle would you be valuing about that? Beautiful. What sort of Holden? Oh, nice. 63. Is it one that you've done up or doing up? Beautiful. And would you keep the value of 50,000? Is it more of a classic? Yep. Beautiful. I've also got here another another car asset value of 90,000. Which of your vehicles would have been valued about that? Beautiful. Definitely a Holden man, I see. I've also got your boat down here with a value of 22,000. Do you still have your boat? Yep. Beautiful. And that value would be boat, motor, trailer, everything? Yep. Fantastic. And then savings, we had about 80,000 sitting in the bank. Do you still have that? No. It's all gone. Do you have any sort of savings or any of that left sitting in the account? No. That I'll just note that down there for you. Beautiful. What you end up doing with the 80,000? Was that just, like, living expenses and helping you along? Was there a specific, goal or anything you used it for? Oh, nice. Nice. Beautiful. Is that another car that you purchased, or was it doing up the other three that you have? Yeah. The 63 and the '70 three Holdens? Yep. Fantastic. Lovely. Do you have any other assets that you will wanna note down? Any other cars, boats, caravans, collections, tools of trade, cryptocurrency, shares? Nothing? That's okay. That's absolutely fine. Not a problem. And you're renting, you mentioned. How much rent are you paying on a regular basis? Yep. Okay. Beautiful. Fantastic. I don't have anyone noted down here as a next of kin on file. I should probably update that for you as well. If in the event we were unable to get a hold of yourself, who would you want nominated as your next of kin? Jake. Lovely. And what's your surname? Perfect. Excellent. And just a phone number if you know it? Sorry. Oh, we don't have phone numbers on the beneficiary side of things. No. No. Sorry. That for very limited information. Yes. Yep. Perfect. Who would you like to nominate? Lisa Lovely East. Yep. And Lisa's relationship to yourself? Oh, partner. Beautiful. Fantastic. And do you know her phone number at all? Yep. Yep. 196. Fantastic. It's just an ex of kin there. So if we are unable to get a hold of you, we can call Lisa just to check to see if everything's okay and how we contact you. But it's no personal information can be given to make it easier for you. Okay? Excellent. Now your three children down here as your beneficiaries, are they all over 18? Yep. So not tax dependents. Beautiful. Beautiful. Thank you for updating that for me. And the other thing to sort of have a look at is the estate planning side of things. So I can see here last time we sort of checked in, you didn't have a will power of attorney set up. Is that something yourself and Lisa have talked about the past doing? No. That's okay. It is something as well worth looking at. We obviously have your beneficiaries on file for your super, which means in the event of you passing your super, it can be directed out to, you know, where you wanted to go, your three kids as per your record as per what your wishes are. But everything else that you've got outside of super so think about your cars, your collectible cars. You've also got your savings accounts and all your your, you know, things there. All of that would have to be essentially collected, sold up, passed on to beneficiaries without having a willing pay in place you do. Possibly in test date, which means that everything kinda goes to has to go through a probate process. It goes through a legal process so people can come forward and stake a claim on your assets. No guarantees that they're gonna get anything, but they can stake a claim there. So it is definitely worth having a will and a power of attorney done up by a solicitor to make sure that everything is handed to where you want it to go, especially you've got those two very nice collectible cars there, which will hopefully just build in value as as time goes on. So it is definitely worth having a think about and doing out. Okay? Excellent. Now in the documents that I have sent through to, you've got a copy of your super rundown, which has your super balance there as I went through before. It's also got a copy of your performance report there. It does also have in there our financial services guide, which outlines everything about who we are, what we do, and how we do it. And then it does also have your ongoing service agreement there as well. So you are an ongoing client. You do pay an ongoing service fee of 1.65% for us looking after your super, providing ongoing support and advice there as well, and helping you work towards your goals. That doesn't stop when you hit retirement. We'll then provide additional advice on how to draw down your income, how to make it last, and make sure you are in the correct risk profiling side of things as well. So with this ongoing service fee, it's still 1.65% for the year. It's just that we've updated things. So once your balance is over 200,000, you'll drop down into a tiered structure. And we've outlined it as more of a set dollar figure fee. So it doesn't essentially works at how much you're going to pay for the year, and you don't pay more than that. But it's still just 1.65% as it has been for yourself for this year. Okay? Do you have any questions about how the ongoing service fee works? Or same as it has been the last few years, maybe easier. Fantastic. When you get some time, if you can run your eyes over those annual review documents for me just to kind of sign and return those back. If you do find you have any questions, you're welcome to let me know. The last thing I wanted to sort of look at was your risk profiling just to sort of make sure you are invested correctly. Now one of the things that Kyle would have spoke to you about last year was you invested in more of a growth asset a growth environment. So it generally sees about 80% of your super invested in growth assets. So you're thinking things like Australian shares, international shares, listed property, and commodities like gold and silver. So precious metals there. That sort of environment is suited to someone who has about six years before accessing their super there. They are realistically, this kind of environment, you're sort of looking to obtain about a seven to 9% on a regular basis. Anything over 9% seen as a very good year. Anything under seven is a bit of an underperformance there. But the expectation for the ups and downs in the market is normal, and we do expect a negative year around about one in every sort of five years there. When we sort of look at where you're at at the moment, the reason I kind of earlier went into what age you're sort of looking to access your super is that you are 57 this year. So we wanna make sure that when you do get closer to accessing super, when the time is right, we start to reduce your risk down a little bit. If you're happy to keep working till the age 65, it does mean that you have eight years ahead of you there, so you can still be in this environment a little bit longer. But I just wanted to go through a couple of questions to assess whether we should maybe start reducing the risk for you as well. Okay. The first one here is, essentially, inflation means that things are getting more expensive over time. When you think about your super, how much risk are you comfortable taking to get the better returns knowing there's a downside to that as well? Do you consider yourself to be very much a high risk taker? You want the best returns you can possibly get even though you know there is the risk of a downside? Are you considering yourself more moderate or medium in the middle to get the best returns you possibly can, or are you not comfortable taking risk in the market and you understand the returns are lower because of that? Where do you see yourself bidding on that scale? In the middle? Beautiful. The next one here is if you saw your super fall by 20% over the next, say, six to twelve months, sir, due to what was happening globally in the markets, how do you think you might be feeling? Are you thinking it's a investment opportunity, wanna put more money into the market and take advantage of that time frame? Are you a bit nervous, maybe holding and waiting, calling us and seeing what we suggest you do, or are you wanting to sell your investments to cash? You're a bit nervous. Beautiful. Sorry. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or do you see borrowing to invest in those sorts of investments is too risky and have only ever wanted to borrow for, say, property? No. That's okay. Beautiful. Excellent. Perfect. Thank you for that. Sorry about that. So where you have sort of scored at the moment, you have sort of scored in more of that moderate environment. So it does sort of show from where you are currently invested in that 80% growth investments that we should start maybe just in that 80% growth investments that we should start maybe just dropping the risk level a little bit for you. Did you want to look at maybe reducing your risk level now, or did you wanna just hold off for six months when we do a bit of a catch up and we reassess the investments then? How do you feel? Yep. Yep. That's absolutely fine. Realistically, with that eight year time horizon, as long as you're wanting to, you know, stop working in the next sort of three to four years, it you find a stay where you are for the moment. We sort of agreed early that we'd catch up in six months anyway just to sort of reassess how the super is going, talk about additional contributions so we can also reassess the risk level then for you as well. And in the meantime, I'll focus on the insurance side of things for you. Does that sound appropriate and okay? Have I missed anything at all? That's okay. Beautiful. I also just had to hit a couple of additional goals that we had noted down in the past there. You were looking at maybe keeping an eye out for a potential new property. Is that something you're still looking at doing? Or nope. That's okay. I'll just remove that goal. Easy. Lovely. And then having a think about your super, I've got down here that we're sort of tracking forward looking to try and access super and hopefully retire around about the age 65. You sort of mentioned to me you're happy with more of a lower risk passive portfolio. Does that sound about right? Is there any sort of changes to that? Sounds comfortable? Fantastic. Excellent. And in retirement, you just wanna spend some time with family. I have is what your goal is. Is that fairly accurate? Any other changes to what you'd like to do in those retirement years? I like it. Simple and nice. Excellent. In the next one to two or even five years, do you have any other goals that you're looking to achieve or anything else that you'd like to note down goal wise? No. Just nice and simple. Work for a few more years, build safe, and retire. Is that right? Yep. Beautiful. I like it. Is Lisa older or younger than you? Is she likely to retire about the same age? She's younger, so she'll work a little bit longer then. Yep. That's okay. Fantastic. Well, look. Thank you so much for your time today, Carrie. Essentially, as I said, I've got the annual review pack in your email. If you could have a look at that, sign and return it back for us, it would be greatly appreciated. We'll go back and we'll do some research around the insurance side of things there for you and update the recommendations. We're just looking at life and TBD for you. Is that still correct? Beautiful. Before I let you go, I am just gonna book you in to have a bit of a preassessment with my colleague as I mentioned before. Is there a day or time that normally suits you better? A day, and is it morning or afternoon normally the best time for you? Yeah. Absolutely. Perfect. Let's have a look. So where are we? This week, we're looking at, wow, it's September this week. That is crazy. If I was to book it in, say, Wednesday or Thursday afternoon this week, would that be okay, or would you prefer maybe next week? Next week? Absolutely. I've got Monday or Wednesday. If it's easier, I could always do sort of 05:00 next Wednesday. Would that be okay, or is that too late? Yep. Beautiful. Lovely. That'll be my admin team member, Samantha. She'll give you a call. Just run through a quick pre assessment. Just an in-depth in-depth health health questionnaire just so I can go out to the market and reassess the types of insurance contracts that might be available, and then we can update the advice to reflect that for you. How does that sound? Beautiful. Well, look, thank you so much for your time today, Carrie. Is there anything that you maybe had question wise that I haven't touched on? Was there any additional questions that have come out of any of the reviews this afternoon? Beautiful. Well, thank you so much for your time. I'll talk to you in a few weeks to go through the advice recommendations. And if you find you do have questions in the meantime, you're more than welcome to let me know. Okay? Thank you for your time. Enjoy your afternoon. Thank you. See you later. 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Carrie. This is Dana from MoView Financial. How are you this afternoon? That's good. I had you booked in to go through your annual review today.\n\nIs now still a good time there for you? Fantastic. Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic.\n\nAnd just a little quick security check there for you as well just because we are discussing your personal information. I'll get you to confirm your full name, your date of birth, and address I should have on file here. Yeah. Lovely. Thank you so much for that.\n\nCarrie, as part of your annual review, I do send through some documents to you. Are you able to access your emails here at the moment? If you can't, it's okay. I can run through them. That's alright.\n\nYeah. Not an issue. I'll send them through to you. That way, they're in your inbox ready to go for you to have a little a look at later on, and I'll run you through the bits and pieces that we need to, and we'll reassess your goals and see if there's any new advice to sort of look at providing for you this year. Okay?\n\nExcellent. How's your day been so far? Did you work today? Yeah? Are you finished for the day now?\n\nYou get to put your feet up after this? Fantastic. Excellent. Carrie, firstly, I'll go through and give you a bit of an update on your sofa. Before I kinda go through that, is there any particular questions you might have for me today that you wanted me to sort of touch on, or is it just giving you an update on where things are at?\n\nAnd yeah. Fantastic. Well, just that was to give you an update on your balance there. So as of the August 26, which is when we provide the documents, that your super balance is sitting at a $185,390.41 there. So it is good.\n\nWe have definitely seen an increase there for you. Your balance as of today's date were up to a 185,321 in your super there. So you've had a little bit more additional additional growth on the year. When we sort of look at how your investments have performed as a whole over the past twelve months there, the net return is showing 8.08%. So it is a good return.\n\nWhen we look back to your balance this time last year, you were sitting at a 163,619. Some people do prefer a a dollar figure as opposed to a percentage. So if you look at the gross plus the income within your super over the past twelve months after fees, you've made $16,911.85, sir. So it is good. You have seen a good increase in the last twelve months there and making just over 16,000.\n\nThat is the growth and the income. So it's essentially the income that's being generated out of the portfolio and any additional growth there. That's not necessarily looking at your contributions going in. That's what the portfolio has generated. Yeah.\n\nAnd it's net of fees too. It it was set to be about a 8.08% return, which is actually very good for the year there as well. When I still look at how you invested with your portfolio, now my colleague, Kyle, he actually provided advice to you last year to alter your portfolio, and he's got you in more of a growth portfolio. I was having a look back at your goals last year when you sort spoke to him, and he kind of made mention, well, the goal I have here is that was that you wanted to ensure your super was actively invested and that you're getting the returns that will assist you with growth. Now I just wanted just to clarify, when you say actively managed, are you sort of looking at having active investment managers in your portfolio to take on a bit more risk to get greater potential returns, or is it more just having us sort of look after the portfolio?\n\nHow did you sort of want things actively managed? Sorry. Hard questions. No. That's okay.\n\nOne of the things I sorta noticed was because there are active managers, and one of the active managers you previously had in your super fund was Bennelong. You probably remember that was in your super fund back in the day. Bennelong is more of an actively managed fund. The good thing is that when Kyle provided that advice to you last year, that was around about July, that was all switched over, and you were moved out of that Bennelong investment. It worked in your favor because the portfolio he's put you in has actually performed better.\n\nUnfortunately, after that advice was provided, the Bennelong investment hasn't performed as well. So Kyle moved you out of that investment prior to it tanking and which means your your super has performed much greater than anyone that was still in that investment there. But you are in more of a passively managed portfolio. It's not more of an actively managed portfolio. The main difference between the two is having active managers means that those investment managers are trying to pick and tie the market.\n\nThey're trying to pick when to invest, what to invest in. You can pay a little bit more in investment fees to have those sorts of active managers in your portfolio. And the other way to invest is more passive. So how do you portfolio. And the other way to invest is more passive.\n\nSo having investments and ETFs that track the indices or track an index fund more often than not. Having passively managed portfolios can outperform and provide a greater return than having an active manager in there because the active manager doesn't always meet the benchmark. They don't always outperform against the market. They don't always time the market very well. Thinking forward, are you comfortable kind of having a more passively managed portfolio, or did you wanna take a bit more risk and have active managers in your portfolio?\n\nHow do you feel about that? You're happy with that? Yeah. That's absolutely fine. The other thing I sort of wanted to touch on is when you do get a little bit older, sort of between the fifties and sixties, sometimes it is better to take a little bit less risk in the market where you can.\n\nYou still wanna make your super work. But having those passively managed portfolios means that you are also diversifying and taking a little bit less risk in the market. They can also be cheaper. So a part of keeping your super working harder is trying to limit the amount of fees where possible. And so having a cheaper portfolio can mean more money stays invested, and you're super working harder for you.\n\nDoes that all make sense so far? Yeah. Beautiful. Excellent. So I've sort of established you're happy to keep that passive portfolio.\n\nIt is working really well with you, and, honestly, you've made a really great return this year, especially with the ups and downs the market has sort of felt and seen. So I'm pretty happy with that. What I still wanted to look at moving forward was what else we can kind of do to help provide a bit of additional growth to your super and kinda keep it working harder. When are you sorta hoping to retire? I had down here age 70.\n\nIs that still your goal age, or you think you'd like to retire earlier? What's your thoughts so far? Yeah. Depends. Yeah.\n\nAbsolutely. Income wise, I have you earning about 73,000 per annum. Is that still correct, or has that gone up since last year? The same? Excellent.\n\nSo another way I think we can sort of look at or another way of helping to boost your super and provide you know, make it work a bit harder for you is to increase contributions in the super. Are you in a position where you could be salary sacrificing or putting more into super to help grow it a little bit faster so you might be able to retire earlier? Okay. No. That's okay.\n\nThat's not a problem at all. Did you want me to maybe sort of catch up, let's say, in six months when we can maybe reevaluate and see if that's something you're able to do maybe early next year? Would that be a possibility? Or Yeah. Excellent.\n\nLovely. And, look, there are some other strategies. So having a look at things at the moment, you're 57 this year. So you just recently turned 57 in July there. When you do turn 60, there are other strategies that we can put in place as well.\n\nI'm not sure if anyone's ever spoken to you about a transition or time and strategy, but it's kind of a really cool strategy where you can be salary sacrificing or adding more contributions in the super. But because of your age, we'll be able to keep your take home pay the same and draw a little bit out to replenish your income. So when you do happen to turn 60, if you like, we can sort of reassess other strategies that might provide an option. Until then, essentially, your salary sacrificing or adding additional contributions is the best way to, you know, help you super work a little bit harder there. And I'm just making a note that we'll touch base in six months and reevaluate whether that's an option for you.\n\nDoes that sound okay? Yeah. Beautiful. Under the current under the current legislation, if you decide to retire at the age of 60, which you can do, and access your super wholly, you can access it fully tax free. Are you sort of thinking you wanna retire around about that age, or are you sort of hoping to or wanting to continue working a bit longer than maybe age 65, 67?\n\nWhat age, realistically, would you like me to keep as a goal for you to work on? 65? Yep. Beautiful. I'll just update your goal there for you.\n\nFantastic. And have you thought about what kind of income you might like to live on or draw down out of super in retirement? I think last time we caught up, you were thinking $500 per week. Is that still looking like your goal, or do you think you might need to live on more? Yeah.\n\nThat's okay. Did you want me to maybe boost it up a bit more to say $6.07, or $1,000 a week for the goal just to sort of see? Yeah. Perfect. One of the big things is when we're sort of looking at the income component now, that's just sort of looking at a goal so we can kind of track things forward for you.\n\nBut when you actually get to the point where you retire, at that time, we'll look at what you need to live on, what you want to live on, how much you need to drive a sleeper, and then how we draw that out. So up until the point you actually retire, it is just a goal, sort of looking at, you know, how we can sort of track and predict things forward. But we'll look at your income and your income needs at retirement when we get to that point for you. Okay. Excellent.\n\nFantastic. Has there been any changes in your role over the last twelve months? You're still a machine operator? Have you had any promotions or changes to your job? Nice.\n\nAnd what does what does that mean you do on a daily basis? Yep. Beautiful. And it didn't come with a pay rise? That's a shame.\n\nYou're definitely worth more. Absolutely. Well, I think you should definitely get on that when you get back to work. Absolutely. Fantastic.\n\nAnd then the other thing we do like to touch on is, obviously, your sleep is doing quite well. We've touched on the return then, that sort of aspect. Having a look at things now, you don't have any insurances, no life, TBD, income protection, trauma, insurance, or personal insurances like those. You sort of happy and comfortable not having any personal protection or personal insurances. Did you wanna sort of talk about what they are, how they can look after you, and what they look like?\n\nOr are you happy with the way things are structured? Life insurance? Yep. With the way life insurance is structured, so it pays out a lump sum benefit if you were to pass away. With not having any life insurance paid out of your super at the moment, it means that your your super balance is all that would be paid out to your beneficiary.\n\nJust to double check I have everything correct, in the event of passing, who is it that you want your super to be paid out to or your life benefit paid out to? Your siblings? Yep. That's okay. I'm just double checking to see what I have on record here for you under the beneficiaries.\n\nSo I've got here your beneficiary nomination, 33 to be paid out to Courtney, 34 to Jake, and 33 to Jai. Is that correct? I have them noted as children. Is that accurate? Yep.\n\nBeautiful. So having the all it's paid out to your three children is the way you would like that to be paid. Yep. Beautiful. So having you think about the life cover, sort of looking at the way it's structured at the moment not having any additional life benefit if you were to pass away today, your super benefit is what's paid out to them.\n\nThat's based on the balance of a $185,390.41 there. I can see here, looking at things, you don't have any debt. Is that right? Do you have a mortgage or any additional debts that would have to be paid out from that money? No.\n\nThat's okay. Do you feel like that that $1.85 is enough that you would have paid out to your three children, or did you wanna look at getting a bit of life covered a supplement if you would have passed away? Or how do you feel? Yep. That's okay.\n\nIs there a set amount of life cover you would like to have for yourself, or is it just enough to meet a certain goal? Yeah. That's okay. So how it would sorta work is you would sorta give me a goal, and I go back and work out and look at all the different insurers to work out what kind of life cover would be available. I would need to also make sure my team can do a pre assessment with you.\n\nSo when I'm looking at providing advice around insurances, we wanna understand your health in detail so we know when we go out to the market what kind of insurance contract would be offered for you, how it looks, what the cost of it might be. There's a few things that we definitely look at as part of the research there. Did you want me to go out and do all do that research for you and maybe update the advice to reflect to getting a life policy and what that might look for yourself and your super? Yep. Beautiful.\n\nAfter the call, I'll get you booked in with one of my lovely team to do a bit of a pre assessment, and then I can go out to the market and have a look at what's on offer. We'll come back with the advice, show you what we're recommending, and then it's up to you to decide whether you're happy to take those recommendations or not. Does that sound okay, Carrie? Yeah. Beautiful.\n\nSo we're looking at life cover. Now do you think that maybe just the base level of life cover, a 100,200 thousand, $2.50, 500,000, what sort of benefit do you think you'd like to be covered for? About 300,000? Yep. Beautiful.\n\nSo 300,000 then having your super paid out to your beneficiaries on top of that. So it's essentially giving you about 485,000 of cover. Does that sound appropriate? Are you fairly comfortable with that? Yep.\n\nBeautiful. There are other types of personal insurances like total permanent disability coverage, pays out a lump sum or an income stream if you're unable to ever go back to work again, income protection and trauma. Did you wanna look at any of those, or you're just happy to have a bit of life cover? Yeah. Yeah.\n\nDid you sort of want the same level of TBD as life, or is there a set goal or a set amount you would like to be covered for? That's okay. If we think about what TBD covers you for and what it is, it essentially pays out a benefit if you're never able to go back to work again. So if you think about the types of things that could go wrong in your job, things that could stop you from ever going back to work again, essentially, you would need to maybe I mean, you don't have any debts to pay out. But are you renting where you're located?\n\nDo you have rental costs on a weekly or fortnightly basis? Yeah. So if you weren't able to work again, those rental costs would definitely will absolutely continue. Plus, some people who are going through a TBD might have ongoing rehabilitation, might wanna replace their income for a certain period of time. They may, you know, need to make alterations to the car, things like that to support them with the disability that they encounter if the event that you were unable to go to work.\n\nIs there a certain level of income that you might wanna cover yourself for, like, you know, one, two, five, ten years of income replacement? No. That's okay. Did you want me to just look at the same level of TPD as life cover, make the recommendation, and show you what the cost of that is, the advantages, disadvantages, and risks? And then we can always readjust it if if that needs to be.\n\nDoes that sound alright? Yeah. Beautiful. Sorry. I ask all the questions you've probably never thought about answering before.\n\nThat's all good. And so we're just looking at life and TPD. You don't wanna look at any other types of insurances. You're fairly comfortable with everything else? Yeah.\n\nBeautiful. Excellent. I do have your assets noted down here. Now I do apologize. I have three cars noted.\n\nI don't know what types of cars they are. I'll update them with you now. The first one was valued at 20,000. Which of your vehicles would you value with that? Yeah.\n\nOkay. Alright. Beautiful. And would you still value it about the same? Yes.\n\nFantastic. And there's no debt owing on that one. I owned completely outright. Fantastic. I've got a second vehicle noted down here.\n\nThe asset value we had last year was 50,000. What sort of vehicle would you be valuing about that? Beautiful. What sort of Holden? Oh, nice.\n\n63. Is it one that you've done up or doing up? Beautiful. And would you keep the value of 50,000? Is it more of a classic?\n\nYep. Beautiful. I've also got here another another car asset value of 90,000. Which of your vehicles would have been valued about that? Beautiful.\n\nDefinitely a Holden man, I see. I've also got your boat down here with a value of 22,000. Do you still have your boat? Yep. Beautiful.\n\nAnd that value would be boat, motor, trailer, everything? Yep. Fantastic. And then savings, we had about 80,000 sitting in the bank. Do you still have that?\n\nNo. It's all gone. Do you have any sort of savings or any of that left sitting in the account? No. That I'll just note that down there for you.\n\nBeautiful. What you end up doing with the 80,000? Was that just, like, living expenses and helping you along? Was there a specific, goal or anything you used it for? Oh, nice.\n\nNice. Beautiful. Is that another car that you purchased, or was it doing up the other three that you have? Yeah. The 63 and the '70 three Holdens?\n\nYep. Fantastic. Lovely. Do you have any other assets that you will wanna note down? Any other cars, boats, caravans, collections, tools of trade, cryptocurrency, shares?\n\nNothing? That's okay. That's absolutely fine. Not a problem. And you're renting, you mentioned.\n\nHow much rent are you paying on a regular basis? Yep. Okay. Beautiful. Fantastic.\n\nI don't have anyone noted down here as a next of kin on file. I should probably update that for you as well. If in the event we were unable to get a hold of yourself, who would you want nominated as your next of kin? Jake. Lovely.\n\nAnd what's your surname? Perfect. Excellent. And just a phone number if you know it? Sorry.\n\nOh, we don't have phone numbers on the beneficiary side of things. No. No. Sorry. That for very limited information.\n\nYes. Yep. Perfect. Who would you like to nominate? Lisa Lovely East.\n\nYep. And Lisa's relationship to yourself? Oh, partner. Beautiful. Fantastic.\n\nAnd do you know her phone number at all? Yep. Yep. 196. Fantastic.\n\nIt's just an ex of kin there. So if we are unable to get a hold of you, we can call Lisa just to check to see if everything's okay and how we contact you. But it's no personal information can be given to make it easier for you. Okay? Excellent.\n\nNow your three children down here as your beneficiaries, are they all over 18? Yep. So not tax dependents. Beautiful. Beautiful.\n\nThank you for updating that for me. And the other thing to sort of have a look at is the estate planning side of things. So I can see here last time we sort of checked in, you didn't have a will power of attorney set up. Is that something yourself and Lisa have talked about the past doing? No.\n\nThat's okay. It is something as well worth looking at. We obviously have your beneficiaries on file for your super, which means in the event of you passing your super, it can be directed out to, you know, where you wanted to go, your three kids as per your record as per what your wishes are. But everything else that you've got outside of super so think about your cars, your collectible cars. You've also got your savings accounts and all your your, you know, things there.\n\nAll of that would have to be essentially collected, sold up, passed on to beneficiaries without having a willing pay in place you do. Possibly in test date, which means that everything kinda goes to has to go through a probate process. It goes through a legal process so people can come forward and stake a claim on your assets. No guarantees that they're gonna get anything, but they can stake a claim there. So it is definitely worth having a will and a power of attorney done up by a solicitor to make sure that everything is handed to where you want it to go, especially you've got those two very nice collectible cars there, which will hopefully just build in value as as time goes on.\n\nSo it is definitely worth having a think about and doing out. Okay? Excellent. Now in the documents that I have sent through to, you've got a copy of your super rundown, which has your super balance there as I went through before. It's also got a copy of your performance report there.\n\nIt does also have in there our financial services guide, which outlines everything about who we are, what we do, and how we do it. And then it does also have your ongoing service agreement there as well. So you are an ongoing client. You do pay an ongoing service fee of 1.65% for us looking after your super, providing ongoing support and advice there as well, and helping you work towards your goals. That doesn't stop when you hit retirement.\n\nWe'll then provide additional advice on how to draw down your income, how to make it last, and make sure you are in the correct risk profiling side of things as well. So with this ongoing service fee, it's still 1.65% for the year. It's just that we've updated things. So once your balance is over 200,000, you'll drop down into a tiered structure. And we've outlined it as more of a set dollar figure fee.\n\nSo it doesn't essentially works at how much you're going to pay for the year, and you don't pay more than that. But it's still just 1.65% as it has been for yourself for this year. Okay? Do you have any questions about how the ongoing service fee works? Or same as it has been the last few years, maybe easier.\n\nFantastic. When you get some time, if you can run your eyes over those annual review documents for me just to kind of sign and return those back. If you do find you have any questions, you're welcome to let me know. The last thing I wanted to sort of look at was your risk profiling just to sort of make sure you are invested correctly. Now one of the things that Kyle would have spoke to you about last year was you invested in more of a growth asset a growth environment.\n\nSo it generally sees about 80% of your super invested in growth assets. So you're thinking things like Australian shares, international shares, listed property, and commodities like gold and silver. So precious metals there. That sort of environment is suited to someone who has about six years before accessing their super there. They are realistically, this kind of environment, you're sort of looking to obtain about a seven to 9% on a regular basis.\n\nAnything over 9% seen as a very good year. Anything under seven is a bit of an underperformance there. But the expectation for the ups and downs in the market is normal, and we do expect a negative year around about one in every sort of five years there. When we sort of look at where you're at at the moment, the reason I kind of earlier went into what age you're sort of looking to access your super is that you are 57 this year. So we wanna make sure that when you do get closer to accessing super, when the time is right, we start to reduce your risk down a little bit.\n\nIf you're happy to keep working till the age 65, it does mean that you have eight years ahead of you there, so you can still be in this environment a little bit longer. But I just wanted to go through a couple of questions to assess whether we should maybe start reducing the risk for you as well. Okay. The first one here is, essentially, inflation means that things are getting more expensive over time. When you think about your super, how much risk are you comfortable taking to get the better returns knowing there's a downside to that as well?\n\nDo you consider yourself to be very much a high risk taker? You want the best returns you can possibly get even though you know there is the risk of a downside? Are you considering yourself more moderate or medium in the middle to get the best returns you possibly can, or are you not comfortable taking risk in the market and you understand the returns are lower because of that? Where do you see yourself bidding on that scale? In the middle?\n\nBeautiful. The next one here is if you saw your super fall by 20% over the next, say, six to twelve months, sir, due to what was happening globally in the markets, how do you think you might be feeling? Are you thinking it's a investment opportunity, wanna put more money into the market and take advantage of that time frame? Are you a bit nervous, maybe holding and waiting, calling us and seeing what we suggest you do, or are you wanting to sell your investments to cash? You're a bit nervous.\n\nBeautiful. Sorry. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or do you see borrowing to invest in those sorts of investments is too risky and have only ever wanted to borrow for, say, property? No. That's okay.\n\nBeautiful. Excellent. Perfect. Thank you for that. Sorry about that.\n\nSo where you have sort of scored at the moment, you have sort of scored in more of that moderate environment. So it does sort of show from where you are currently invested in that 80% growth investments that we should start maybe just in that 80% growth investments that we should start maybe just dropping the risk level a little bit for you. Did you want to look at maybe reducing your risk level now, or did you wanna just hold off for six months when we do a bit of a catch up and we reassess the investments then? How do you feel? Yep.\n\nYep. That's absolutely fine. Realistically, with that eight year time horizon, as long as you're wanting to, you know, stop working in the next sort of three to four years, it you find a stay where you are for the moment. We sort of agreed early that we'd catch up in six months anyway just to sort of reassess how the super is going, talk about additional contributions so we can also reassess the risk level then for you as well. And in the meantime, I'll focus on the insurance side of things for you.\n\nDoes that sound appropriate and okay? Have I missed anything at all? That's okay. Beautiful. I also just had to hit a couple of additional goals that we had noted down in the past there.\n\nYou were looking at maybe keeping an eye out for a potential new property. Is that something you're still looking at doing? Or nope. That's okay. I'll just remove that goal.\n\nEasy. Lovely. And then having a think about your super, I've got down here that we're sort of tracking forward looking to try and access super and hopefully retire around about the age 65. You sort of mentioned to me you're happy with more of a lower risk passive portfolio. Does that sound about right?\n\nIs there any sort of changes to that? Sounds comfortable? Fantastic. Excellent. And in retirement, you just wanna spend some time with family.\n\nI have is what your goal is. Is that fairly accurate? Any other changes to what you'd like to do in those retirement years? I like it. Simple and nice.\n\nExcellent. In the next one to two or even five years, do you have any other goals that you're looking to achieve or anything else that you'd like to note down goal wise? No. Just nice and simple. Work for a few more years, build safe, and retire.\n\nIs that right? Yep. Beautiful. I like it. Is Lisa older or younger than you?\n\nIs she likely to retire about the same age? She's younger, so she'll work a little bit longer then. Yep. That's okay. Fantastic.\n\nWell, look. Thank you so much for your time today, Carrie. Essentially, as I said, I've got the annual review pack in your email. If you could have a look at that, sign and return it back for us, it would be greatly appreciated. We'll go back and we'll do some research around the insurance side of things there for you and update the recommendations.\n\nWe're just looking at life and TBD for you. Is that still correct? Beautiful. Before I let you go, I am just gonna book you in to have a bit of a preassessment with my colleague as I mentioned before. Is there a day or time that normally suits you better?\n\nA day, and is it morning or afternoon normally the best time for you? Yeah. Absolutely. Perfect. Let's have a look.\n\nSo where are we? This week, we're looking at, wow, it's September this week. That is crazy. If I was to book it in, say, Wednesday or Thursday afternoon this week, would that be okay, or would you prefer maybe next week? Next week?\n\nAbsolutely. I've got Monday or Wednesday. If it's easier, I could always do sort of 05:00 next Wednesday. Would that be okay, or is that too late? Yep.\n\nBeautiful. Lovely. That'll be my admin team member, Samantha. She'll give you a call. Just run through a quick pre assessment.\n\nJust an in-depth in-depth health health questionnaire just so I can go out to the market and reassess the types of insurance contracts that might be available, and then we can update the advice to reflect that for you. How does that sound? Beautiful. Well, look, thank you so much for your time today, Carrie. Is there anything that you maybe had question wise that I haven't touched on?\n\nWas there any additional questions that have come out of any of the reviews this afternoon? Beautiful. Well, thank you so much for your time. I'll talk to you in a few weeks to go through the advice recommendations. And if you find you do have questions in the meantime, you're more than welcome to let me know.\n\nOkay? Thank you for your time. Enjoy your afternoon. Thank you. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Carrie.","start":2.8799999,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.1446087509393692},{"text":"This is Dana from MoView Financial.","start":3.4399998,"end":5.12,"sentiment":"neutral","sentiment_score":0.16638309260209402},{"text":"How are you this afternoon?","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.23578287959098815},{"text":"That's good.","start":8.32,"end":8.88,"sentiment":"positive","sentiment_score":0.7102404832839966},{"text":"I had you booked in to go through your annual review today.","start":8.88,"end":11.04,"sentiment":"positive","sentiment_score":0.40539536128441495}],"sentiment":"neutral","sentiment_score":0.3241353984232302,"num_words":27,"start":2.8799999,"end":11.04},{"sentences":[{"text":"Is now still a good time there for you?","start":11.04,"end":12.98,"sentiment":"positive","sentiment_score":0.3751909037431081},{"text":"Fantastic.","start":15.035001,"end":15.535001,"sentiment":"positive","sentiment_score":0.5866899490356445},{"text":"Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":15.835,"end":20.315,"sentiment":"neutral","sentiment_score":0.15728601133045944},{"text":"Are you happy for us to proceed with that?","start":20.315,"end":22.415,"sentiment":"neutral","sentiment_score":0.14873888012435701},{"text":"Fantastic.","start":24.075,"end":24.575,"sentiment":"positive","sentiment_score":0.4905518293380738}],"sentiment":"neutral","sentiment_score":0.21884158357631328,"num_words":43,"start":11.04,"end":24.575},{"sentences":[{"text":"And just a little quick security check there for you as well just because we are discussing your personal information.","start":24.635,"end":29.13,"sentiment":"neutral","sentiment_score":0.2505985327064991},{"text":"I'll get you to confirm your full name, your date of birth, and address I should have on file here.","start":29.13,"end":33.23,"sentiment":"neutral","sentiment_score":0.17511628568172455},{"text":"Yeah.","start":35.45,"end":35.95,"sentiment":"neutral","sentiment_score":0.0167386457324028},{"text":"Lovely.","start":39.37,"end":39.77,"sentiment":"positive","sentiment_score":0.4742411673069},{"text":"Thank you so much for that.","start":39.77,"end":41.265,"sentiment":"positive","sentiment_score":0.6661189496517181}],"sentiment":"neutral","sentiment_score":0.2708747891398768,"num_words":48,"start":24.635,"end":41.265},{"sentences":[{"text":"Carrie, as part of your annual review, I do send through some documents to you.","start":41.585,"end":44.704998,"sentiment":"neutral","sentiment_score":0.2689972400665283},{"text":"Are you able to access your emails here at the moment?","start":44.704998,"end":47.204998,"sentiment":"neutral","sentiment_score":0.08389440111138603},{"text":"If you can't, it's okay.","start":49.265,"end":50.465,"sentiment":"neutral","sentiment_score":0.008090845122933388},{"text":"I can run through them.","start":50.465,"end":51.504997,"sentiment":"neutral","sentiment_score":0.090988290309906},{"text":"That's alright.","start":51.504997,"end":52.245,"sentiment":"neutral","sentiment_score":0.1310828998684883}],"sentiment":"neutral","sentiment_score":0.15040417079274593,"num_words":38,"start":41.585,"end":52.245},{"sentences":[{"text":"Yeah.","start":52.305,"end":52.805,"sentiment":"neutral","sentiment_score":0.1458689272403717},{"text":"Not an issue.","start":53.84,"end":54.559998,"sentiment":"neutral","sentiment_score":0.1936802218357722},{"text":"I'll send them through to you.","start":54.559998,"end":55.6,"sentiment":"neutral","sentiment_score":0.24695182094971338},{"text":"That way, they're in your inbox ready to go for you to have a little a look at later on, and I'll run you through the bits and pieces that we need to, and we'll reassess your goals and see if there's any new advice to sort of look at providing for you this year.","start":55.6,"end":67.28,"sentiment":"neutral","sentiment_score":0.27919214963912964},{"text":"Okay?","start":67.28,"end":67.78,"sentiment":"neutral","sentiment_score":0.13389970362186432}],"sentiment":"neutral","sentiment_score":0.2681528553366661,"num_words":66,"start":52.305,"end":67.78},{"sentences":[{"text":"Excellent.","start":69.415,"end":69.915,"sentiment":"neutral","sentiment_score":0.30773285031318665},{"text":"How's your day been so far?","start":70.055,"end":71.415,"sentiment":"neutral","sentiment_score":0.1943842942516009},{"text":"Did you work today?","start":71.415,"end":72.875,"sentiment":"neutral","sentiment_score":0.062386670149862766},{"text":"Yeah?","start":75.175,"end":75.675,"sentiment":"neutral","sentiment_score":-0.01981295645236969},{"text":"Are you finished for the day now?","start":75.815,"end":77.175,"sentiment":"neutral","sentiment_score":-0.02770286239683628}],"sentiment":"neutral","sentiment_score":0.07946591069431681,"num_words":19,"start":69.415,"end":77.175},{"sentences":[{"text":"You get to put your feet up after this?","start":77.175,"end":79.115,"sentiment":"neutral","sentiment_score":-0.010174544321166145},{"text":"Fantastic.","start":81.895,"end":82.395,"sentiment":"positive","sentiment_score":0.3807832598686218},{"text":"Excellent.","start":82.695,"end":83.195,"sentiment":"positive","sentiment_score":0.36182650923728943},{"text":"Carrie, firstly, I'll go through and give you a bit of an update on your sofa.","start":84.32,"end":87.619995,"sentiment":"neutral","sentiment_score":0.19572965614497662},{"text":"Before I kinda go through that, is there any particular questions you might have for me today that you wanted me to sort of touch on, or is it just giving you an update on where things are at?","start":88.159996,"end":95.92,"sentiment":"neutral","sentiment_score":0.1207654283214838}],"sentiment":"neutral","sentiment_score":0.1286752283798926,"num_words":66,"start":77.175,"end":95.92},{"sentences":[{"text":"And yeah.","start":95.92,"end":101.915,"sentiment":"neutral","sentiment_score":0.13917064666748047},{"text":"Fantastic.","start":101.915,"end":102.415,"sentiment":"positive","sentiment_score":0.471154272556305},{"text":"Well, just that was to give you an update on your balance there.","start":104.155,"end":106.555,"sentiment":"neutral","sentiment_score":0.11934432860177296},{"text":"So as of the August 26, which is when we provide the documents, that your super balance is sitting at a $185,390.41 there.","start":106.555,"end":115.880005,"sentiment":"neutral","sentiment_score":0.14398463685875354},{"text":"So it is good.","start":115.880005,"end":116.68,"sentiment":"positive","sentiment_score":0.722151979804039}],"sentiment":"neutral","sentiment_score":0.19770293964376284,"num_words":43,"start":95.92,"end":116.68},{"sentences":[{"text":"We have definitely seen an increase there for you.","start":116.68,"end":119.100006,"sentiment":"positive","sentiment_score":0.7003539535734389},{"text":"Your balance as of today's date were up to a 185,321 in your super there.","start":119.48,"end":125.72,"sentiment":"positive","sentiment_score":0.457398521900177},{"text":"So you've had a little bit more additional additional growth on the year.","start":125.72,"end":130.52501,"sentiment":"positive","sentiment_score":0.4713429579368004},{"text":"When we sort of look at how your investments have performed as a whole over the past twelve months there, the net return is showing 8.08%.","start":131.065,"end":139.865,"sentiment":"neutral","sentiment_score":0.283178536937787},{"text":"So it is a good return.","start":139.865,"end":141.085,"sentiment":"positive","sentiment_score":0.5654073854287466}],"sentiment":"positive","sentiment_score":0.43545953821444855,"num_words":69,"start":116.68,"end":141.085},{"sentences":[{"text":"When we look back to your balance this time last year, you were sitting at a 163,619.","start":141.35,"end":146.89,"sentiment":"neutral","sentiment_score":0.0744588947033181},{"text":"Some people do prefer a a dollar figure as opposed to a percentage.","start":147.83,"end":152.49,"sentiment":"neutral","sentiment_score":0.037213657767726824},{"text":"So if you look at the gross plus the income within your super over the past twelve months after fees, you've made $16,911.85, sir.","start":152.63,"end":161.845,"sentiment":"neutral","sentiment_score":0.10892273827145497},{"text":"So it is good.","start":161.845,"end":162.565,"sentiment":"positive","sentiment_score":0.4644523337483406},{"text":"You have seen a good increase in the last twelve months there and making just over 16,000.","start":162.565,"end":167.65999,"sentiment":"neutral","sentiment_score":0.19066735017387307}],"sentiment":"neutral","sentiment_score":0.12617171689867973,"num_words":75,"start":141.35,"end":167.65999},{"sentences":[{"text":"That is the growth and the income.","start":174.04,"end":175.79999,"sentiment":"neutral","sentiment_score":0.052306581022483964},{"text":"So it's essentially the income that's being generated out of the portfolio and any additional growth there.","start":175.79999,"end":181.035,"sentiment":"neutral","sentiment_score":0.05906750371350961},{"text":"That's not necessarily looking at your contributions going in.","start":181.115,"end":183.595,"sentiment":"neutral","sentiment_score":0.01700985659327772},{"text":"That's what the portfolio has generated.","start":183.595,"end":185.295,"sentiment":"neutral","sentiment_score":0.05526200123131275},{"text":"Yeah.","start":187.27501,"end":187.515,"sentiment":"neutral","sentiment_score":0.0971369445323944}],"sentiment":"neutral","sentiment_score":0.04880228228867054,"num_words":40,"start":174.04,"end":187.515},{"sentences":[{"text":"And it's net of fees too.","start":187.515,"end":188.955,"sentiment":"neutral","sentiment_score":0.1526274879773458},{"text":"It it was set to be about a 8.08% return, which is actually very good for the year there as well.","start":188.955,"end":195.295,"sentiment":"neutral","sentiment_score":0.3121840237152009},{"text":"When I still look at how you invested with your portfolio, now my colleague, Kyle, he actually provided advice to you last year to alter your portfolio, and he's got you in more of a growth portfolio.","start":195.41,"end":206.79001,"sentiment":"neutral","sentiment_score":0.07201528096118488},{"text":"I was having a look back at your goals last year when you sort spoke to him, and he kind of made mention, well, the goal I have here is that was that you wanted to ensure your super was actively invested and that you're getting the returns that will assist you with growth.","start":207.33,"end":220.72499,"sentiment":"neutral","sentiment_score":0.10909973623024093},{"text":"Now I just wanted just to clarify, when you say actively managed, are you sort of looking at having active investment managers in your portfolio to take on a bit more risk to get greater potential returns, or is it more just having us sort of look after the portfolio?","start":221.025,"end":234.51999,"sentiment":"neutral","sentiment_score":-0.002756024766713381}],"sentiment":"neutral","sentiment_score":0.09458201987824093,"num_words":168,"start":187.515,"end":234.51999},{"sentences":[{"text":"How did you sort of want things actively managed?","start":234.66,"end":237.64,"sentiment":"neutral","sentiment_score":-0.005625729345613056},{"text":"Sorry.","start":241.335,"end":241.735,"sentiment":"neutral","sentiment_score":-0.11341416835784912},{"text":"Hard questions.","start":241.735,"end":242.475,"sentiment":"neutral","sentiment_score":-0.10887699574232101},{"text":"No.","start":245.655,"end":245.895,"sentiment":"neutral","sentiment_score":-0.0938822701573372},{"text":"That's okay.","start":245.895,"end":246.715,"sentiment":"neutral","sentiment_score":-0.022776354104280472}],"sentiment":"neutral","sentiment_score":-0.03474898015459379,"num_words":15,"start":234.66,"end":246.715},{"sentences":[{"text":"One of the things I sorta noticed was because there are active managers, and one of the active managers you previously had in your super fund was Bennelong.","start":246.855,"end":255.69,"sentiment":"neutral","sentiment_score":0.011044814184840237},{"text":"You probably remember that was in your super fund back in the day.","start":256.07,"end":258.95,"sentiment":"neutral","sentiment_score":0.013749664577727135},{"text":"Bennelong is more of an actively managed fund.","start":258.95,"end":261.45,"sentiment":"neutral","sentiment_score":0.02479897136799991},{"text":"The good thing is that when Kyle provided that advice to you last year, that was around about July, that was all switched over, and you were moved out of that Bennelong investment.","start":261.91,"end":270.445,"sentiment":"neutral","sentiment_score":0.0893455230151162},{"text":"It worked in your favor because the portfolio he's put you in has actually performed better.","start":270.825,"end":275.245,"sentiment":"positive","sentiment_score":0.339246416464448}],"sentiment":"neutral","sentiment_score":0.09247690949551,"num_words":98,"start":246.855,"end":275.245},{"sentences":[{"text":"Unfortunately, after that advice was provided, the Bennelong investment hasn't performed as well.","start":275.385,"end":280.185,"sentiment":"negative","sentiment_score":-0.3934312898379106},{"text":"So Kyle moved you out of that investment prior to it tanking and which means your your super has performed much greater than anyone that was still in that investment there.","start":280.185,"end":288.74002,"sentiment":"neutral","sentiment_score":-0.13636928099778392},{"text":"But you are in more of a passively managed portfolio.","start":289.28,"end":291.94,"sentiment":"neutral","sentiment_score":-0.025789029151201247},{"text":"It's not more of an actively managed portfolio.","start":292.0,"end":293.955,"sentiment":"neutral","sentiment_score":-0.055504728108644485},{"text":"The main difference between the two is having active managers means that those investment managers are trying to pick and tie the market.","start":295.63498,"end":301.07498,"sentiment":"neutral","sentiment_score":-0.009264156303328016}],"sentiment":"neutral","sentiment_score":-0.12067127282566883,"num_words":85,"start":275.385,"end":301.07498},{"sentences":[{"text":"They're trying to pick when to invest, what to invest in.","start":301.07498,"end":304.53497,"sentiment":"neutral","sentiment_score":0.008614229207689112},{"text":"You can pay a little bit more in investment fees to have those sorts of active managers in your portfolio.","start":304.995,"end":307.86237,"sentiment":"neutral","sentiment_score":0.01820589080452919},{"text":"And the other way to invest is more passive.","start":307.86237,"end":307.93814,"sentiment":"neutral","sentiment_score":0.03313702469070753},{"text":"So how do you portfolio.","start":307.93814,"end":310.33,"sentiment":"neutral","sentiment_score":0.06345548182725906},{"text":"And the other way to invest is more passive.","start":310.95,"end":313.43,"sentiment":"neutral","sentiment_score":0.07484247576859263}],"sentiment":"neutral","sentiment_score":0.03236976390083631,"num_words":54,"start":301.07498,"end":313.43},{"sentences":[{"text":"So having investments and ETFs that track the indices or track an index fund more often than not.","start":313.43,"end":320.15,"sentiment":"neutral","sentiment_score":0.13065272404087913},{"text":"Having passively managed portfolios can outperform and provide a greater return than having an active manager in there because the active manager doesn't always meet the benchmark.","start":320.15,"end":329.885,"sentiment":"neutral","sentiment_score":0.14775176573958662},{"text":"They don't always outperform against the market.","start":329.945,"end":332.185,"sentiment":"neutral","sentiment_score":-0.07394807333392757},{"text":"They don't always time the market very well.","start":332.185,"end":334.445,"sentiment":"neutral","sentiment_score":-0.1049289321526885},{"text":"Thinking forward, are you comfortable kind of having a more passively managed portfolio, or did you wanna take a bit more risk and have active managers in your portfolio?","start":335.24,"end":343.58,"sentiment":"neutral","sentiment_score":0.03991243487288212}],"sentiment":"neutral","sentiment_score":0.06900493649954206,"num_words":89,"start":313.43,"end":343.58},{"sentences":[{"text":"How do you feel about that?","start":343.63998,"end":345.18,"sentiment":"neutral","sentiment_score":0.030889765669902165},{"text":"You're happy with that?","start":348.165,"end":349.285,"sentiment":"positive","sentiment_score":0.3891175836324692},{"text":"Yeah.","start":349.285,"end":349.525,"sentiment":"positive","sentiment_score":0.4369230270385742},{"text":"That's absolutely fine.","start":349.525,"end":350.825,"sentiment":"positive","sentiment_score":0.39185624818007153},{"text":"The other thing I sort of wanted to touch on is when you do get a little bit older, sort of between the fifties and sixties, sometimes it is better to take a little bit less risk in the market where you can.","start":351.125,"end":359.765,"sentiment":"neutral","sentiment_score":0.046197250182198925}],"sentiment":"neutral","sentiment_score":0.09369793785899355,"num_words":57,"start":343.63998,"end":359.765},{"sentences":[{"text":"You still wanna make your super work.","start":359.765,"end":361.77,"sentiment":"neutral","sentiment_score":0.22407518540109908},{"text":"But having those passively managed portfolios means that you are also diversifying and taking a little bit less risk in the market.","start":362.16998,"end":369.05,"sentiment":"neutral","sentiment_score":0.2633361559022557},{"text":"They can also be cheaper.","start":369.05,"end":370.34998,"sentiment":"neutral","sentiment_score":0.32892094254493714},{"text":"So a part of keeping your super working harder is trying to limit the amount of fees where possible.","start":370.40997,"end":375.55,"sentiment":"neutral","sentiment_score":0.3140476793050766},{"text":"And so having a cheaper portfolio can mean more money stays invested, and you're super working harder for you.","start":376.215,"end":381.735,"sentiment":"positive","sentiment_score":0.3334138777695204}],"sentiment":"neutral","sentiment_score":0.2959485558999909,"num_words":72,"start":359.765,"end":381.735},{"sentences":[{"text":"Does that all make sense so far?","start":381.735,"end":383.51498,"sentiment":"neutral","sentiment_score":0.12029268592596054},{"text":"Yeah.","start":385.01498,"end":385.41498,"sentiment":"neutral","sentiment_score":0.30360060930252075},{"text":"Beautiful.","start":385.41498,"end":385.91498,"sentiment":"positive","sentiment_score":0.6587860584259033},{"text":"Excellent.","start":386.055,"end":386.53497,"sentiment":"positive","sentiment_score":0.6810814142227173},{"text":"So I've sort of established you're happy to keep that passive portfolio.","start":386.53497,"end":389.58002,"sentiment":"positive","sentiment_score":0.62083600461483}],"sentiment":"positive","sentiment_score":0.4516158608550375,"num_words":22,"start":381.735,"end":389.58002},{"sentences":[{"text":"It is working really well with you, and, honestly, you've made a really great return this year, especially with the ups and downs the market has sort of felt and seen.","start":389.58002,"end":396.7,"sentiment":"positive","sentiment_score":0.7290365484453016},{"text":"So I'm pretty happy with that.","start":396.7,"end":399.04,"sentiment":"positive","sentiment_score":0.7594839433828989},{"text":"What I still wanted to look at moving forward was what else we can kind of do to help provide a bit of additional growth to your super and kinda keep it working harder.","start":399.18,"end":407.475,"sentiment":"positive","sentiment_score":0.3595245831152972},{"text":"When are you sorta hoping to retire?","start":407.935,"end":409.855,"sentiment":"neutral","sentiment_score":0.04645063595048019},{"text":"I had down here age 70.","start":409.855,"end":411.455,"sentiment":"neutral","sentiment_score":0.014530684798955917}],"sentiment":"positive","sentiment_score":0.47372870295796365,"num_words":84,"start":389.58002,"end":411.455},{"sentences":[{"text":"Is that still your goal age, or you think you'd like to retire earlier?","start":411.455,"end":415.135,"sentiment":"neutral","sentiment_score":0.0373878194950521},{"text":"What's your thoughts so far?","start":415.135,"end":416.58,"sentiment":"neutral","sentiment_score":0.03153023049235344},{"text":"Yeah.","start":419.69998,"end":420.19998,"sentiment":"neutral","sentiment_score":0.04401155561208725},{"text":"Depends.","start":420.74,"end":421.24,"sentiment":"neutral","sentiment_score":0.03627534210681915},{"text":"Yeah.","start":422.09998,"end":422.5,"sentiment":"neutral","sentiment_score":0.07663404941558838}],"sentiment":"neutral","sentiment_score":0.0380909805694087,"num_words":22,"start":411.455,"end":422.5},{"sentences":[{"text":"Absolutely.","start":422.5,"end":423.0,"sentiment":"neutral","sentiment_score":0.11215810477733612},{"text":"Income wise, I have you earning about 73,000 per annum.","start":424.41998,"end":427.93997,"sentiment":"neutral","sentiment_score":0.054761503264307974},{"text":"Is that still correct, or has that gone up since last year?","start":427.93997,"end":430.91998,"sentiment":"neutral","sentiment_score":0.0368442228063941},{"text":"The same?","start":433.915,"end":434.39502,"sentiment":"neutral","sentiment_score":0.02619600808247924},{"text":"Excellent.","start":434.39502,"end":434.89502,"sentiment":"neutral","sentiment_score":0.2170519977807999}],"sentiment":"neutral","sentiment_score":0.05274414711703475,"num_words":26,"start":422.5,"end":434.89502},{"sentences":[{"text":"So another way I think we can sort of look at or another way of helping to boost your super and provide you know, make it work a bit harder for you is to increase contributions in the super.","start":435.67502,"end":445.27502,"sentiment":"neutral","sentiment_score":0.10610974713777885},{"text":"Are you in a position where you could be salary sacrificing or putting more into super to help grow it a little bit faster so you might be able to retire earlier?","start":445.27502,"end":453.19,"sentiment":"neutral","sentiment_score":0.07984664523974061},{"text":"Okay.","start":459.01,"end":459.41,"sentiment":"neutral","sentiment_score":-0.029105084016919136},{"text":"No.","start":459.41,"end":459.65,"sentiment":"neutral","sentiment_score":-0.07002713531255722},{"text":"That's okay.","start":459.65,"end":460.38998,"sentiment":"neutral","sentiment_score":0.019810401601716876}],"sentiment":"neutral","sentiment_score":0.08845148493225376,"num_words":75,"start":435.67502,"end":460.38998},{"sentences":[{"text":"That's not a problem at all.","start":460.53,"end":462.15,"sentiment":"neutral","sentiment_score":0.13930676085874438},{"text":"Did you want me to maybe sort of catch up, let's say, in six months when we can maybe reevaluate and see if that's something you're able to do maybe early next year?","start":462.245,"end":470.245,"sentiment":"neutral","sentiment_score":0.00005593710353202892},{"text":"Would that be a possibility?","start":470.245,"end":471.385,"sentiment":"neutral","sentiment_score":0.007352616079151631},{"text":"Or Yeah.","start":471.525,"end":474.745,"sentiment":"neutral","sentiment_score":0.17234050296247005},{"text":"Excellent.","start":474.885,"end":475.385,"sentiment":"positive","sentiment_score":0.7422775030136108}],"sentiment":"neutral","sentiment_score":0.041732086785177286,"num_words":47,"start":460.53,"end":475.385},{"sentences":[{"text":"Lovely.","start":475.765,"end":476.265,"sentiment":"positive","sentiment_score":0.727015495300293},{"text":"And, look, there are some other strategies.","start":476.62,"end":478.47998,"sentiment":"neutral","sentiment_score":0.17421433648892812},{"text":"So having a look at things at the moment, you're 57 this year.","start":478.53998,"end":482.22,"sentiment":"neutral","sentiment_score":0.06515137335428825},{"text":"So you just recently turned 57 in July there.","start":482.22,"end":485.12,"sentiment":"neutral","sentiment_score":0.06667058997684056},{"text":"When you do turn 60, there are other strategies that we can put in place as well.","start":485.66,"end":489.66,"sentiment":"neutral","sentiment_score":0.11324464529752731}],"sentiment":"neutral","sentiment_score":0.11316336136549077,"num_words":47,"start":475.765,"end":489.66},{"sentences":[{"text":"I'm not sure if anyone's ever spoken to you about a transition or time and strategy, but it's kind of a really cool strategy where you can be salary sacrificing or adding more contributions in the super.","start":489.66,"end":499.095,"sentiment":"neutral","sentiment_score":0.07064505757109539},{"text":"But because of your age, we'll be able to keep your take home pay the same and draw a little bit out to replenish your income.","start":499.635,"end":505.76,"sentiment":"neutral","sentiment_score":0.0897860641662891},{"text":"So when you do happen to turn 60, if you like, we can sort of reassess other strategies that might provide an option.","start":505.76,"end":512.18005,"sentiment":"neutral","sentiment_score":0.06810937384548395},{"text":"Until then, essentially, your salary sacrificing or adding additional contributions is the best way to, you know, help you super work a little bit harder there.","start":512.56,"end":521.435,"sentiment":"neutral","sentiment_score":0.04481802379282621},{"text":"And I'm just making a note that we'll touch base in six months and reevaluate whether that's an option for you.","start":521.815,"end":527.095,"sentiment":"neutral","sentiment_score":0.0670522724588712}],"sentiment":"neutral","sentiment_score":0.06833223110639063,"num_words":133,"start":489.66,"end":527.095},{"sentences":[{"text":"Does that sound okay?","start":527.095,"end":528.235,"sentiment":"neutral","sentiment_score":0.08871016092598438},{"text":"Yeah.","start":529.89496,"end":530.375,"sentiment":"neutral","sentiment_score":0.13392052054405212},{"text":"Beautiful.","start":530.375,"end":530.875,"sentiment":"neutral","sentiment_score":0.32868173718452454},{"text":"Under the current under the current legislation, if you decide to retire at the age of 60, which you can do, and access your super wholly, you can access it fully tax free.","start":532.43,"end":544.21,"sentiment":"neutral","sentiment_score":0.11696009563677238},{"text":"Are you sort of thinking you wanna retire around about that age, or are you sort of hoping to or wanting to continue working a bit longer than maybe age 65, 67?","start":544.485,"end":553.46497,"sentiment":"neutral","sentiment_score":0.03394742455566302}],"sentiment":"neutral","sentiment_score":0.08117526258066507,"num_words":71,"start":527.095,"end":553.46497},{"sentences":[{"text":"What age, realistically, would you like me to keep as a goal for you to work on?","start":553.605,"end":557.46497,"sentiment":"neutral","sentiment_score":0.029970827128957298},{"text":"65?","start":565.5,"end":566.45996,"sentiment":"neutral","sentiment_score":0.018141578882932663},{"text":"Yep.","start":566.45996,"end":566.77997,"sentiment":"neutral","sentiment_score":0.10204406827688216},{"text":"Beautiful.","start":566.77997,"end":567.27997,"sentiment":"positive","sentiment_score":0.3659250140190125},{"text":"I'll just update your goal there for you.","start":568.77997,"end":570.77997,"sentiment":"neutral","sentiment_score":0.3003851491957903}],"sentiment":"neutral","sentiment_score":0.12138199699776513,"num_words":28,"start":553.605,"end":570.77997},{"sentences":[{"text":"Fantastic.","start":570.77997,"end":571.27997,"sentiment":"positive","sentiment_score":0.4421281218528747},{"text":"And have you thought about what kind of income you might like to live on or draw down out of super in retirement?","start":571.82495,"end":576.88495,"sentiment":"neutral","sentiment_score":0.09123129737765892},{"text":"I think last time we caught up, you were thinking $500 per week.","start":576.945,"end":580.725,"sentiment":"neutral","sentiment_score":0.014455192794020359},{"text":"Is that still looking like your goal, or do you think you might need to live on more?","start":580.945,"end":585.125,"sentiment":"neutral","sentiment_score":0.019568549779554207},{"text":"Yeah.","start":589.76,"end":590.0,"sentiment":"neutral","sentiment_score":0.15760743618011477}],"sentiment":"neutral","sentiment_score":0.05782512142988188,"num_words":56,"start":570.77997,"end":590.0},{"sentences":[{"text":"That's okay.","start":590.0,"end":590.82,"sentiment":"neutral","sentiment_score":0.31877659261226654},{"text":"Did you want me to maybe boost it up a bit more to say $6.07, or $1,000 a week for the goal just to sort of see?","start":590.96,"end":596.98,"sentiment":"neutral","sentiment_score":0.2073863755773615},{"text":"Yeah.","start":600.8,"end":601.2,"sentiment":"positive","sentiment_score":0.3854515552520752},{"text":"Perfect.","start":601.2,"end":601.7,"sentiment":"positive","sentiment_score":0.6856228113174438},{"text":"One of the big things is when we're sort of looking at the income component now, that's just sort of looking at a goal so we can kind of track things forward for you.","start":602.695,"end":610.375,"sentiment":"neutral","sentiment_score":0.309417085174252}],"sentiment":"neutral","sentiment_score":0.27428062443549817,"num_words":65,"start":590.0,"end":610.375},{"sentences":[{"text":"But when you actually get to the point where you retire, at that time, we'll look at what you need to live on, what you want to live on, how much you need to drive a sleeper, and then how we draw that out.","start":610.375,"end":620.3,"sentiment":"neutral","sentiment_score":0.1914788322015242},{"text":"So up until the point you actually retire, it is just a goal, sort of looking at, you know, how we can sort of track and predict things forward.","start":620.3,"end":627.84,"sentiment":"neutral","sentiment_score":0.21873487711980424},{"text":"But we'll look at your income and your income needs at retirement when we get to that point for you.","start":628.06,"end":634.385,"sentiment":"neutral","sentiment_score":0.15464780256152152},{"text":"Okay.","start":634.385,"end":634.885,"sentiment":"neutral","sentiment_score":0.11121900379657744},{"text":"Excellent.","start":636.225,"end":636.725,"sentiment":"positive","sentiment_score":0.6102755069732666}],"sentiment":"neutral","sentiment_score":0.19560874331938594,"num_words":95,"start":610.375,"end":636.725},{"sentences":[{"text":"Fantastic.","start":637.345,"end":637.845,"sentiment":"positive","sentiment_score":0.5978239178657532},{"text":"Has there been any changes in your role over the last twelve months?","start":639.02496,"end":642.14496,"sentiment":"neutral","sentiment_score":0.17415918982945955},{"text":"You're still a machine operator?","start":642.14496,"end":643.58496,"sentiment":"neutral","sentiment_score":0.0825914427638054},{"text":"Have you had any promotions or changes to your job?","start":643.58496,"end":646.485,"sentiment":"neutral","sentiment_score":0.09938471913337707},{"text":"Nice.","start":653.25995,"end":653.75995,"sentiment":"neutral","sentiment_score":0.29046630859375}],"sentiment":"neutral","sentiment_score":0.15197213664650916,"num_words":30,"start":637.345,"end":653.75995},{"sentences":[{"text":"And what does what does that mean you do on a daily basis?","start":654.45996,"end":657.27997,"sentiment":"neutral","sentiment_score":0.08944338359511815},{"text":"Yep.","start":662.22,"end":662.505,"sentiment":"neutral","sentiment_score":0.1295529454946518},{"text":"Beautiful.","start":664.665,"end":665.145,"sentiment":"neutral","sentiment_score":0.3149101138114929},{"text":"And it didn't come with a pay rise?","start":665.145,"end":667.005,"sentiment":"neutral","sentiment_score":-0.05690110055729747},{"text":"That's a shame.","start":667.065,"end":667.945,"sentiment":"negative","sentiment_score":-0.6381489833196005}],"sentiment":"neutral","sentiment_score":-0.029324181091326933,"num_words":26,"start":654.45996,"end":667.945},{"sentences":[{"text":"You're definitely worth more.","start":667.945,"end":669.325,"sentiment":"negative","sentiment_score":-0.4347860887646675},{"text":"Absolutely.","start":677.04004,"end":677.54004,"sentiment":"neutral","sentiment_score":0.217024490237236},{"text":"Well, I think you should definitely get on that when you get back to work.","start":678.0,"end":681.06,"sentiment":"neutral","sentiment_score":0.21103222171465555},{"text":"Absolutely.","start":681.52,"end":682.02,"sentiment":"positive","sentiment_score":0.371337354183197},{"text":"Fantastic.","start":684.48004,"end":684.98004,"sentiment":"positive","sentiment_score":0.5277330279350281}],"sentiment":"neutral","sentiment_score":0.11556517468257384,"num_words":22,"start":667.945,"end":684.98004},{"sentences":[{"text":"And then the other thing we do like to touch on is, obviously, your sleep is doing quite well.","start":685.60004,"end":689.36005,"sentiment":"positive","sentiment_score":0.37909728131796183},{"text":"We've touched on the return then, that sort of aspect.","start":689.36005,"end":692.225,"sentiment":"neutral","sentiment_score":0.19635819345712663},{"text":"Having a look at things now, you don't have any insurances, no life, TBD, income protection, trauma, insurance, or personal insurances like those.","start":692.625,"end":700.485,"sentiment":"neutral","sentiment_score":0.1661334303410157},{"text":"You sort of happy and comfortable not having any personal protection or personal insurances.","start":701.505,"end":705.925,"sentiment":"neutral","sentiment_score":0.2060968620436532},{"text":"Did you wanna sort of talk about what they are, how they can look after you, and what they look like?","start":705.985,"end":711.14,"sentiment":"neutral","sentiment_score":0.09273173336294435}],"sentiment":"neutral","sentiment_score":0.2048301338699871,"num_words":87,"start":685.60004,"end":711.14},{"sentences":[{"text":"Or are you happy with the way things are structured?","start":711.14,"end":713.08,"sentiment":"neutral","sentiment_score":0.026100549101829528},{"text":"Life insurance?","start":717.62,"end":718.44,"sentiment":"neutral","sentiment_score":-0.0025681564584374428},{"text":"Yep.","start":718.5,"end":719.0,"sentiment":"neutral","sentiment_score":0.06125158071517944},{"text":"With the way life insurance is structured, so it pays out a lump sum benefit if you were to pass away.","start":719.185,"end":724.22504,"sentiment":"neutral","sentiment_score":0.0317921813222624},{"text":"With not having any life insurance paid out of your super at the moment, it means that your your super balance is all that would be paid out to your beneficiary.","start":724.22504,"end":732.885,"sentiment":"neutral","sentiment_score":0.03592040666168736}],"sentiment":"neutral","sentiment_score":0.03228137189379105,"num_words":65,"start":711.14,"end":732.885},{"sentences":[{"text":"Just to double check I have everything correct, in the event of passing, who is it that you want your super to be paid out to or your life benefit paid out to?","start":734.49005,"end":743.95,"sentiment":"neutral","sentiment_score":0.023461851545355537},{"text":"Your siblings?","start":746.41003,"end":747.23004,"sentiment":"neutral","sentiment_score":-0.0021979003213346004},{"text":"Yep.","start":748.80505,"end":749.205,"sentiment":"neutral","sentiment_score":0.0786890983581543},{"text":"That's okay.","start":749.205,"end":749.92505,"sentiment":"neutral","sentiment_score":0.23816685378551483},{"text":"I'm just double checking to see what I have on record here for you under the beneficiaries.","start":749.92505,"end":754.825,"sentiment":"neutral","sentiment_score":0.09957280492081362}],"sentiment":"neutral","sentiment_score":0.0548655598170378,"num_words":55,"start":734.49005,"end":754.825},{"sentences":[{"text":"So I've got here your beneficiary nomination, 33 to be paid out to Courtney, 34 to Jake, and 33 to Jai.","start":760.37,"end":769.25,"sentiment":"neutral","sentiment_score":0.07554843489612852},{"text":"Is that correct?","start":769.25,"end":770.15,"sentiment":"neutral","sentiment_score":0.07448906948169072},{"text":"I have them noted as children.","start":771.73,"end":773.355,"sentiment":"neutral","sentiment_score":0.029302203717331093},{"text":"Is that accurate?","start":773.355,"end":774.255,"sentiment":"neutral","sentiment_score":0.04564627135793368},{"text":"Yep.","start":776.155,"end":776.655,"sentiment":"neutral","sentiment_score":0.19887153804302216}],"sentiment":"neutral","sentiment_score":0.06828258575542885,"num_words":34,"start":760.37,"end":776.655},{"sentences":[{"text":"Beautiful.","start":776.715,"end":777.215,"sentiment":"positive","sentiment_score":0.5833812952041626},{"text":"So having the all it's paid out to your three children is the way you would like that to be paid.","start":777.275,"end":782.015,"sentiment":"positive","sentiment_score":0.4017918109893799},{"text":"Yep.","start":783.515,"end":783.915,"sentiment":"neutral","sentiment_score":0.26046204566955566},{"text":"Beautiful.","start":783.915,"end":784.415,"sentiment":"positive","sentiment_score":0.550931453704834},{"text":"So having you think about the life cover, sort of looking at the way it's structured at the moment not having any additional life benefit if you were to pass away today, your super benefit is what's paid out to them.","start":786.19,"end":797.33,"sentiment":"neutral","sentiment_score":0.11894610151648521}],"sentiment":"neutral","sentiment_score":0.22629527673125266,"num_words":65,"start":776.715,"end":797.33},{"sentences":[{"text":"That's based on the balance of a $185,390.41 there.","start":797.685,"end":802.905,"sentiment":"neutral","sentiment_score":0.11418288118309444},{"text":"I can see here, looking at things, you don't have any debt.","start":803.84503,"end":806.485,"sentiment":"neutral","sentiment_score":0.055779644598563514},{"text":"Is that right?","start":806.485,"end":807.045,"sentiment":"neutral","sentiment_score":0.03646528720855713},{"text":"Do you have a mortgage or any additional debts that would have to be paid out from that money?","start":807.045,"end":811.305,"sentiment":"neutral","sentiment_score":-0.036215721874644884},{"text":"No.","start":813.14996,"end":813.31,"sentiment":"neutral","sentiment_score":-0.17465129494667053}],"sentiment":"neutral","sentiment_score":0.021446534474803644,"num_words":44,"start":797.685,"end":813.31},{"sentences":[{"text":"That's okay.","start":813.31,"end":814.20996,"sentiment":"neutral","sentiment_score":-0.09678709879517555},{"text":"Do you feel like that that $1.85 is enough that you would have paid out to your three children, or did you wanna look at getting a bit of life covered a supplement if you would have passed away?","start":814.50995,"end":823.38995,"sentiment":"neutral","sentiment_score":-0.07440661896879856},{"text":"Or how do you feel?","start":823.38995,"end":824.415,"sentiment":"neutral","sentiment_score":-0.03505205884575844},{"text":"Yep.","start":829.375,"end":829.855,"sentiment":"neutral","sentiment_score":0.10948823392391203},{"text":"That's okay.","start":829.855,"end":830.675,"sentiment":"neutral","sentiment_score":0.16288049519062042}],"sentiment":"neutral","sentiment_score":-0.057866191985655804,"num_words":49,"start":813.31,"end":830.675},{"sentences":[{"text":"Is there a set amount of life cover you would like to have for yourself, or is it just enough to meet a certain goal?","start":830.89496,"end":838.85,"sentiment":"neutral","sentiment_score":0.09687381207942963},{"text":"Yeah.","start":845.71,"end":846.02997,"sentiment":"neutral","sentiment_score":0.04337126761674881},{"text":"That's okay.","start":846.02997,"end":846.75,"sentiment":"neutral","sentiment_score":0.04542176378890873},{"text":"So how it would sorta work is you would sorta give me a goal, and I go back and work out and look at all the different insurers to work out what kind of life cover would be available.","start":846.75,"end":855.625,"sentiment":"neutral","sentiment_score":0.10356599436356471},{"text":"I would need to also make sure my team can do a pre assessment with you.","start":856.245,"end":859.84503,"sentiment":"neutral","sentiment_score":0.08747181785292923}],"sentiment":"neutral","sentiment_score":0.0963214814820024,"num_words":83,"start":830.89496,"end":859.84503},{"sentences":[{"text":"So when I'm looking at providing advice around insurances, we wanna understand your health in detail so we know when we go out to the market what kind of insurance contract would be offered for you, how it looks, what the cost of it might be.","start":859.84503,"end":874.01,"sentiment":"neutral","sentiment_score":0.07015676893617796},{"text":"There's a few things that we definitely look at as part of the research there.","start":874.01,"end":877.55,"sentiment":"neutral","sentiment_score":0.12205925136804581},{"text":"Did you want me to go out and do all do that research for you and maybe update the advice to reflect to getting a life policy and what that might look for yourself and your super?","start":878.255,"end":887.47504,"sentiment":"neutral","sentiment_score":0.11397273073325286},{"text":"Yep.","start":889.375,"end":889.855,"sentiment":"neutral","sentiment_score":0.2884373664855957},{"text":"Beautiful.","start":889.855,"end":890.355,"sentiment":"positive","sentiment_score":0.6112356781959534}],"sentiment":"neutral","sentiment_score":0.10174764223396777,"num_words":100,"start":859.84503,"end":890.355},{"sentences":[{"text":"After the call, I'll get you booked in with one of my lovely team to do a bit of a pre assessment, and then I can go out to the market and have a look at what's on offer.","start":891.1,"end":897.92,"sentiment":"neutral","sentiment_score":0.30068049713587147},{"text":"We'll come back with the advice, show you what we're recommending, and then it's up to you to decide whether you're happy to take those recommendations or not.","start":897.98,"end":904.78,"sentiment":"neutral","sentiment_score":0.23273049906960555},{"text":"Does that sound okay, Carrie?","start":904.78,"end":906.16,"sentiment":"neutral","sentiment_score":0.2124467372894287},{"text":"Yeah.","start":907.585,"end":907.905,"sentiment":"neutral","sentiment_score":0.2258520871400833},{"text":"Beautiful.","start":907.905,"end":908.405,"sentiment":"positive","sentiment_score":0.42204219102859497}],"sentiment":"neutral","sentiment_score":0.2696367746873482,"num_words":74,"start":891.1,"end":908.405},{"sentences":[{"text":"So we're looking at life cover.","start":909.185,"end":910.945,"sentiment":"neutral","sentiment_score":0.15729608635107675},{"text":"Now do you think that maybe just the base level of life cover, a 100,200 thousand, $2.50, 500,000, what sort of benefit do you think you'd like to be covered for?","start":910.945,"end":923.29,"sentiment":"neutral","sentiment_score":0.06232587019762685},{"text":"About 300,000?","start":926.23,"end":927.61,"sentiment":"neutral","sentiment_score":0.02371680922806263},{"text":"Yep.","start":929.11,"end":929.43,"sentiment":"neutral","sentiment_score":0.30476677417755127},{"text":"Beautiful.","start":929.43,"end":929.93,"sentiment":"positive","sentiment_score":0.5287204384803772}],"sentiment":"neutral","sentiment_score":0.09162925183773041,"num_words":41,"start":909.185,"end":929.93},{"sentences":[{"text":"So 300,000 then having your super paid out to your beneficiaries on top of that.","start":929.99,"end":935.155,"sentiment":"neutral","sentiment_score":0.2768267105023066},{"text":"So it's essentially giving you about 485,000 of cover.","start":935.155,"end":939.875,"sentiment":"neutral","sentiment_score":0.26003753807809615},{"text":"Does that sound appropriate?","start":939.875,"end":941.255,"sentiment":"neutral","sentiment_score":0.20715897157788277},{"text":"Are you fairly comfortable with that?","start":941.315,"end":943.09503,"sentiment":"neutral","sentiment_score":0.11600153148174286},{"text":"Yep.","start":944.59503,"end":944.995,"sentiment":"neutral","sentiment_score":0.15792366862297058}],"sentiment":"neutral","sentiment_score":0.2335802069732121,"num_words":35,"start":929.99,"end":944.995},{"sentences":[{"text":"Beautiful.","start":944.995,"end":945.495,"sentiment":"positive","sentiment_score":0.4236096441745758},{"text":"There are other types of personal insurances like total permanent disability coverage, pays out a lump sum or an income stream if you're unable to ever go back to work again, income protection and trauma.","start":946.23,"end":956.87,"sentiment":"neutral","sentiment_score":0.0667687893978187},{"text":"Did you wanna look at any of those, or you're just happy to have a bit of life cover?","start":956.87,"end":960.615,"sentiment":"neutral","sentiment_score":0.19318974567087074},{"text":"Yeah.","start":965.735,"end":966.055,"sentiment":"neutral","sentiment_score":0.04113005846738815},{"text":"Yeah.","start":966.055,"end":966.375,"sentiment":"neutral","sentiment_score":0.001466879853978753}],"sentiment":"neutral","sentiment_score":0.11357402419589721,"num_words":57,"start":944.995,"end":966.375},{"sentences":[{"text":"Did you sort of want the same level of TBD as life, or is there a set goal or a set amount you would like to be covered for?","start":966.375,"end":973.14,"sentiment":"neutral","sentiment_score":0.019249446979113693},{"text":"That's okay.","start":979.94,"end":980.66003,"sentiment":"neutral","sentiment_score":0.08217440359294415},{"text":"If we think about what TBD covers you for and what it is, it essentially pays out a benefit if you're never able to go back to work again.","start":980.66003,"end":988.305,"sentiment":"neutral","sentiment_score":0.07252869491690192},{"text":"So if you think about the types of things that could go wrong in your job, things that could stop you from ever going back to work again, essentially, you would need to maybe I mean, you don't have any debts to pay out.","start":988.305,"end":1000.16504,"sentiment":"neutral","sentiment_score":-0.01444600090723146},{"text":"But are you renting where you're located?","start":1000.22504,"end":1002.085,"sentiment":"neutral","sentiment_score":0.010155947745910712}],"sentiment":"neutral","sentiment_score":0.020372815463725512,"num_words":111,"start":966.375,"end":1002.085},{"sentences":[{"text":"Do you have rental costs on a weekly or fortnightly basis?","start":1002.145,"end":1005.69995,"sentiment":"neutral","sentiment_score":0.0015296424231068654},{"text":"Yeah.","start":1007.6,"end":1008.0,"sentiment":"neutral","sentiment_score":0.0774756595492363},{"text":"So if you weren't able to work again, those rental costs would definitely will absolutely continue.","start":1008.0,"end":1013.77997,"sentiment":"neutral","sentiment_score":0.06057181488722563},{"text":"Plus, some people who are going through a TBD might have ongoing rehabilitation, might wanna replace their income for a certain period of time.","start":1014.63995,"end":1022.515,"sentiment":"neutral","sentiment_score":0.023299731120156746},{"text":"They may, you know, need to make alterations to the car, things like that to support them with the disability that they encounter if the event that you were unable to go to work.","start":1023.215,"end":1034.92,"sentiment":"neutral","sentiment_score":0.014370419468511553}],"sentiment":"neutral","sentiment_score":0.02454928573502531,"num_words":86,"start":1002.145,"end":1034.92},{"sentences":[{"text":"Is there a certain level of income that you might wanna cover yourself for, like, you know, one, two, five, ten years of income replacement?","start":1034.92,"end":1041.8201,"sentiment":"neutral","sentiment_score":0.011686129942536354},{"text":"No.","start":1046.9651,"end":1047.285,"sentiment":"neutral","sentiment_score":-0.08361579477787018},{"text":"That's okay.","start":1047.285,"end":1048.165,"sentiment":"neutral","sentiment_score":-0.02913516666740179},{"text":"Did you want me to just look at the same level of TPD as life cover, make the recommendation, and show you what the cost of that is, the advantages, disadvantages, and risks?","start":1048.165,"end":1056.645,"sentiment":"neutral","sentiment_score":0.03704226059331135},{"text":"And then we can always readjust it if if that needs to be.","start":1056.645,"end":1059.6051,"sentiment":"neutral","sentiment_score":0.03697654518943567}],"sentiment":"neutral","sentiment_score":0.025045362263414507,"num_words":74,"start":1034.92,"end":1059.6051},{"sentences":[{"text":"Does that sound alright?","start":1059.6051,"end":1060.745,"sentiment":"neutral","sentiment_score":0.037939876317977905},{"text":"Yeah.","start":1062.1799,"end":1062.58,"sentiment":"neutral","sentiment_score":0.09453071653842926},{"text":"Beautiful.","start":1062.58,"end":1063.08,"sentiment":"neutral","sentiment_score":0.22464805841445923},{"text":"Sorry.","start":1063.46,"end":1063.86,"sentiment":"neutral","sentiment_score":0.010489054024219511},{"text":"I ask all the questions you've probably never thought about answering before.","start":1063.86,"end":1067.1599,"sentiment":"neutral","sentiment_score":-0.0893625682219863}],"sentiment":"neutral","sentiment_score":-0.031101236021832415,"num_words":19,"start":1059.6051,"end":1067.1599},{"sentences":[{"text":"That's all good.","start":1069.78,"end":1070.58,"sentiment":"neutral","sentiment_score":0.19624816377957663},{"text":"And so we're just looking at life and TPD.","start":1070.58,"end":1072.6599,"sentiment":"neutral","sentiment_score":0.0589783750474453},{"text":"You don't wanna look at any other types of insurances.","start":1072.6599,"end":1074.82,"sentiment":"neutral","sentiment_score":-0.13712206929922105},{"text":"You're fairly comfortable with everything else?","start":1074.82,"end":1076.865,"sentiment":"neutral","sentiment_score":-0.028504598885774612},{"text":"Yeah.","start":1079.585,"end":1079.985,"sentiment":"neutral","sentiment_score":0.04879332706332207}],"sentiment":"neutral","sentiment_score":-0.012893279050958568,"num_words":29,"start":1069.78,"end":1079.985},{"sentences":[{"text":"Beautiful.","start":1079.985,"end":1080.485,"sentiment":"positive","sentiment_score":0.35784804821014404},{"text":"Excellent.","start":1080.545,"end":1081.045,"sentiment":"positive","sentiment_score":0.4078640043735504},{"text":"I do have your assets noted down here.","start":1082.065,"end":1084.225,"sentiment":"neutral","sentiment_score":0.17921060882508755},{"text":"Now I do apologize.","start":1084.225,"end":1085.285,"sentiment":"neutral","sentiment_score":0.016214746050536633},{"text":"I have three cars noted.","start":1085.345,"end":1086.865,"sentiment":"neutral","sentiment_score":0.0007137287408113481}],"sentiment":"neutral","sentiment_score":0.11935918689950516,"num_words":19,"start":1079.985,"end":1086.865},{"sentences":[{"text":"I don't know what types of cars they are.","start":1086.865,"end":1088.785,"sentiment":"neutral","sentiment_score":-0.07703400817182329},{"text":"I'll update them with you now.","start":1088.785,"end":1090.485,"sentiment":"neutral","sentiment_score":0.0065135289914906025},{"text":"The first one was valued at 20,000.","start":1090.61,"end":1092.87,"sentiment":"neutral","sentiment_score":-0.0036456530381526265},{"text":"Which of your vehicles would you value with that?","start":1092.93,"end":1095.43,"sentiment":"neutral","sentiment_score":-0.007900265976786613},{"text":"Yeah.","start":1098.53,"end":1099.03,"sentiment":"neutral","sentiment_score":0.003093916457146406}],"sentiment":"neutral","sentiment_score":-0.02336727963120211,"num_words":32,"start":1086.865,"end":1099.03},{"sentences":[{"text":"Okay.","start":1103.49,"end":1103.985,"sentiment":"neutral","sentiment_score":0.03362777829170227},{"text":"Alright.","start":1105.825,"end":1106.225,"sentiment":"neutral","sentiment_score":0.10075247287750244},{"text":"Beautiful.","start":1106.225,"end":1106.725,"sentiment":"positive","sentiment_score":0.3506709337234497},{"text":"And would you still value it about the same?","start":1106.945,"end":1109.045,"sentiment":"neutral","sentiment_score":0.07637273437447017},{"text":"Yes.","start":1110.625,"end":1110.945,"sentiment":"neutral","sentiment_score":0.2623729705810547}],"sentiment":"neutral","sentiment_score":0.11036759729568775,"num_words":13,"start":1103.49,"end":1110.945},{"sentences":[{"text":"Fantastic.","start":1110.945,"end":1111.445,"sentiment":"positive","sentiment_score":0.602093517780304},{"text":"And there's no debt owing on that one.","start":1111.745,"end":1113.4249,"sentiment":"neutral","sentiment_score":0.29830343276262283},{"text":"I owned completely outright.","start":1113.4249,"end":1114.725,"sentiment":"neutral","sentiment_score":0.22482891008257866},{"text":"Fantastic.","start":1116.465,"end":1116.965,"sentiment":"positive","sentiment_score":0.5750657320022583},{"text":"I've got a second vehicle noted down here.","start":1117.87,"end":1120.03,"sentiment":"neutral","sentiment_score":0.2314242720603943}],"sentiment":"neutral","sentiment_score":0.287013478577137,"num_words":22,"start":1110.945,"end":1120.03},{"sentences":[{"text":"The asset value we had last year was 50,000.","start":1120.03,"end":1122.69,"sentiment":"neutral","sentiment_score":0.09097251171867053},{"text":"What sort of vehicle would you be valuing about that?","start":1122.9099,"end":1125.97,"sentiment":"neutral","sentiment_score":0.03330125790089369},{"text":"Beautiful.","start":1130.03,"end":1130.53,"sentiment":"neutral","sentiment_score":0.16609612107276917},{"text":"What sort of Holden?","start":1132.115,"end":1133.3351,"sentiment":"neutral","sentiment_score":0.01781516196206212},{"text":"Oh, nice.","start":1137.395,"end":1138.035,"sentiment":"neutral","sentiment_score":0.09062148630619049}],"sentiment":"neutral","sentiment_score":0.06039865100039886,"num_words":26,"start":1120.03,"end":1138.035},{"sentences":[{"text":"63.","start":1138.035,"end":1138.755,"sentiment":"neutral","sentiment_score":0.011412481777369976},{"text":"Is it one that you've done up or doing up?","start":1138.755,"end":1140.935,"sentiment":"neutral","sentiment_score":-0.005653325049206614},{"text":"Beautiful.","start":1144.275,"end":1144.775,"sentiment":"neutral","sentiment_score":0.1502172350883484},{"text":"And would you keep the value of 50,000?","start":1144.915,"end":1147.155,"sentiment":"neutral","sentiment_score":0.012900196481496096},{"text":"Is it more of a classic?","start":1147.155,"end":1148.43,"sentiment":"neutral","sentiment_score":-0.014521571497122446}],"sentiment":"neutral","sentiment_score":0.004660331124726396,"num_words":26,"start":1138.035,"end":1148.43},{"sentences":[{"text":"Yep.","start":1150.17,"end":1150.67,"sentiment":"neutral","sentiment_score":0.05048089846968651},{"text":"Beautiful.","start":1150.97,"end":1151.47,"sentiment":"neutral","sentiment_score":0.19035224616527557},{"text":"I've also got here another another car asset value of 90,000.","start":1151.93,"end":1156.67,"sentiment":"neutral","sentiment_score":0.041532663120464844},{"text":"Which of your vehicles would have been valued about that?","start":1156.73,"end":1159.47,"sentiment":"neutral","sentiment_score":0.011276427656412125},{"text":"Beautiful.","start":1165.635,"end":1166.135,"sentiment":"neutral","sentiment_score":0.261732280254364}],"sentiment":"neutral","sentiment_score":0.04467454149077336,"num_words":24,"start":1150.17,"end":1166.135},{"sentences":[{"text":"Definitely a Holden man, I see.","start":1166.355,"end":1168.215,"sentiment":"neutral","sentiment_score":0.12078975265224774},{"text":"I've also got your boat down here with a value of 22,000.","start":1171.075,"end":1174.835,"sentiment":"neutral","sentiment_score":0.04500505576531092},{"text":"Do you still have your boat?","start":1174.835,"end":1176.375,"sentiment":"neutral","sentiment_score":0.013979484637578329},{"text":"Yep.","start":1177.85,"end":1178.25,"sentiment":"neutral","sentiment_score":0.05821534246206283},{"text":"Beautiful.","start":1178.25,"end":1178.6499,"sentiment":"neutral","sentiment_score":0.1725046932697296}],"sentiment":"neutral","sentiment_score":0.06074600494824923,"num_words":26,"start":1166.355,"end":1178.6499},{"sentences":[{"text":"And that value would be boat, motor, trailer, everything?","start":1178.6499,"end":1181.3099,"sentiment":"neutral","sentiment_score":0.051996360222498574},{"text":"Yep.","start":1183.0499,"end":1183.45,"sentiment":"neutral","sentiment_score":0.06954848021268845},{"text":"Fantastic.","start":1183.45,"end":1183.95,"sentiment":"neutral","sentiment_score":0.21494024991989136},{"text":"And then savings, we had about 80,000 sitting in the bank.","start":1184.33,"end":1187.45,"sentiment":"neutral","sentiment_score":-0.03803411921994253},{"text":"Do you still have that?","start":1187.45,"end":1188.75,"sentiment":"neutral","sentiment_score":-0.02423844300210476}],"sentiment":"neutral","sentiment_score":0.007884757248339829,"num_words":27,"start":1178.6499,"end":1188.75},{"sentences":[{"text":"No.","start":1190.97,"end":1191.47,"sentiment":"neutral","sentiment_score":-0.1403130292892456},{"text":"It's all gone.","start":1192.095,"end":1193.635,"sentiment":"neutral","sentiment_score":-0.13977090020974478},{"text":"Do you have any sort of savings or any of that left sitting in the account?","start":1194.015,"end":1197.315,"sentiment":"neutral","sentiment_score":-0.06058504292741418},{"text":"No.","start":1199.2949,"end":1199.615,"sentiment":"neutral","sentiment_score":-0.06720104813575745},{"text":"That I'll just note that down there for you.","start":1199.615,"end":1202.1749,"sentiment":"neutral","sentiment_score":-0.02699583313531346}],"sentiment":"neutral","sentiment_score":-0.06130499877035618,"num_words":30,"start":1190.97,"end":1202.1749},{"sentences":[{"text":"Beautiful.","start":1202.1749,"end":1202.6749,"sentiment":"neutral","sentiment_score":0.15618538856506348},{"text":"What you end up doing with the 80,000?","start":1203.215,"end":1204.895,"sentiment":"neutral","sentiment_score":0.038361331913620234},{"text":"Was that just, like, living expenses and helping you along?","start":1204.895,"end":1207.48,"sentiment":"neutral","sentiment_score":0.07252916991710663},{"text":"Was there a specific, goal or anything you used it for?","start":1207.48,"end":1211.42,"sentiment":"neutral","sentiment_score":0.007833181965080175},{"text":"Oh, nice.","start":1215.8,"end":1216.78,"sentiment":"neutral","sentiment_score":0.1411484330892563}],"sentiment":"neutral","sentiment_score":0.04865092533873394,"num_words":32,"start":1202.1749,"end":1216.78},{"sentences":[{"text":"Nice.","start":1217.0,"end":1217.5,"sentiment":"neutral","sentiment_score":0.17369405925273895},{"text":"Beautiful.","start":1218.665,"end":1219.165,"sentiment":"neutral","sentiment_score":0.21427664160728457},{"text":"Is that another car that you purchased, or was it doing up the other three that you have?","start":1219.225,"end":1223.805,"sentiment":"neutral","sentiment_score":0.03948257946305805},{"text":"Yeah.","start":1226.185,"end":1226.585,"sentiment":"neutral","sentiment_score":-0.0009953768458217382},{"text":"The 63 and the '70 three Holdens?","start":1226.585,"end":1228.765,"sentiment":"neutral","sentiment_score":0.010431412540908371}],"sentiment":"neutral","sentiment_score":0.04181005864770019,"num_words":28,"start":1217.0,"end":1228.765},{"sentences":[{"text":"Yep.","start":1229.065,"end":1229.565,"sentiment":"neutral","sentiment_score":0.06313444674015045},{"text":"Fantastic.","start":1230.585,"end":1231.085,"sentiment":"positive","sentiment_score":0.7654650211334229},{"text":"Lovely.","start":1231.865,"end":1232.365,"sentiment":"positive","sentiment_score":0.7177448868751526},{"text":"Do you have any other assets that you will wanna note down?","start":1233.78,"end":1236.5,"sentiment":"neutral","sentiment_score":0.2253155435125033},{"text":"Any other cars, boats, caravans, collections, tools of trade, cryptocurrency, shares?","start":1236.5,"end":1242.92,"sentiment":"neutral","sentiment_score":0.0810003388165073}],"sentiment":"neutral","sentiment_score":0.19773594630309022,"num_words":26,"start":1229.065,"end":1242.92},{"sentences":[{"text":"Nothing?","start":1242.9801,"end":1243.4801,"sentiment":"neutral","sentiment_score":0.005881378427147865},{"text":"That's okay.","start":1243.62,"end":1244.4401,"sentiment":"neutral","sentiment_score":0.09395301342010498},{"text":"That's absolutely fine.","start":1246.115,"end":1247.415,"sentiment":"neutral","sentiment_score":0.2682464023431142},{"text":"Not a problem.","start":1247.475,"end":1248.1951,"sentiment":"neutral","sentiment_score":0.1848528931538264},{"text":"And you're renting, you mentioned.","start":1248.1951,"end":1249.475,"sentiment":"neutral","sentiment_score":0.031049269996583462}],"sentiment":"neutral","sentiment_score":0.12202368869579264,"num_words":14,"start":1242.9801,"end":1249.475},{"sentences":[{"text":"How much rent are you paying on a regular basis?","start":1249.475,"end":1251.735,"sentiment":"neutral","sentiment_score":0.016968852560967206},{"text":"Yep.","start":1259.395,"end":1259.64,"sentiment":"neutral","sentiment_score":0.05936510860919952},{"text":"Okay.","start":1260.2001,"end":1260.68,"sentiment":"neutral","sentiment_score":0.16877645254135132},{"text":"Beautiful.","start":1260.68,"end":1261.18,"sentiment":"positive","sentiment_score":0.5401890873908997},{"text":"Fantastic.","start":1261.64,"end":1262.14,"sentiment":"positive","sentiment_score":0.5614091753959656}],"sentiment":"neutral","sentiment_score":0.10710202496764916,"num_words":14,"start":1249.475,"end":1262.14},{"sentences":[{"text":"I don't have anyone noted down here as a next of kin on file.","start":1263.48,"end":1266.68,"sentiment":"neutral","sentiment_score":0.12229405183877264},{"text":"I should probably update that for you as well.","start":1266.68,"end":1268.76,"sentiment":"neutral","sentiment_score":0.17378708720207214},{"text":"If in the event we were unable to get a hold of yourself, who would you want nominated as your next of kin?","start":1268.76,"end":1276.7251,"sentiment":"neutral","sentiment_score":0.020391202410278114},{"text":"Jake.","start":1276.8651,"end":1277.3651,"sentiment":"neutral","sentiment_score":0.02465536817908287},{"text":"Lovely.","start":1277.425,"end":1277.925,"sentiment":"neutral","sentiment_score":0.12403487414121628}],"sentiment":"neutral","sentiment_score":0.08112267517329504,"num_words":48,"start":1263.48,"end":1277.925},{"sentences":[{"text":"And what's your surname?","start":1278.8651,"end":1280.405,"sentiment":"neutral","sentiment_score":0.06340367067605257},{"text":"Perfect.","start":1283.7451,"end":1284.2451,"sentiment":"neutral","sentiment_score":0.3088655471801758},{"text":"Excellent.","start":1286.145,"end":1286.645,"sentiment":"neutral","sentiment_score":0.2764272093772888},{"text":"And just a phone number if you know it?","start":1286.9451,"end":1289.75,"sentiment":"neutral","sentiment_score":0.07850273615784115},{"text":"Sorry.","start":1291.7301,"end":1292.2301,"sentiment":"neutral","sentiment_score":-0.03278306499123573}],"sentiment":"neutral","sentiment_score":0.0945405624806881,"num_words":16,"start":1278.8651,"end":1292.2301},{"sentences":[{"text":"Oh, we don't have phone numbers on the beneficiary side of things.","start":1295.49,"end":1299.17,"sentiment":"neutral","sentiment_score":-0.05361476447433233},{"text":"No.","start":1299.17,"end":1299.49,"sentiment":"neutral","sentiment_score":-0.09549768269062042},{"text":"No.","start":1299.49,"end":1299.81,"sentiment":"neutral","sentiment_score":-0.11507721245288847},{"text":"Sorry.","start":1299.81,"end":1300.2101,"sentiment":"neutral","sentiment_score":-0.15172022581100464},{"text":"That for very limited information.","start":1300.2101,"end":1302.125,"sentiment":"neutral","sentiment_score":-0.21779969334602356}],"sentiment":"neutral","sentiment_score":-0.10473353806883097,"num_words":20,"start":1295.49,"end":1302.125},{"sentences":[{"text":"Yes.","start":1306.3451,"end":1306.745,"sentiment":"neutral","sentiment_score":0.003338797017931938},{"text":"Yep.","start":1306.745,"end":1307.145,"sentiment":"neutral","sentiment_score":0.02110087126493454},{"text":"Perfect.","start":1307.145,"end":1307.645,"sentiment":"neutral","sentiment_score":0.08843308687210083},{"text":"Who would you like to nominate?","start":1310.105,"end":1311.485,"sentiment":"neutral","sentiment_score":0.049892147382100425},{"text":"Lisa Lovely East.","start":1313.785,"end":1316.01,"sentiment":"neutral","sentiment_score":0.029992677892247837}],"sentiment":"neutral","sentiment_score":0.04185030609369278,"num_words":12,"start":1306.3451,"end":1316.01},{"sentences":[{"text":"Yep.","start":1316.17,"end":1316.67,"sentiment":"neutral","sentiment_score":0.019319310784339905},{"text":"And Lisa's relationship to yourself?","start":1318.25,"end":1321.15,"sentiment":"neutral","sentiment_score":0.008004576433449984},{"text":"Oh, partner.","start":1324.89,"end":1325.6901,"sentiment":"neutral","sentiment_score":0.020795367658138275},{"text":"Beautiful.","start":1325.6901,"end":1326.1901,"sentiment":"neutral","sentiment_score":0.2831634283065796},{"text":"Fantastic.","start":1326.65,"end":1327.15,"sentiment":"neutral","sentiment_score":0.2615116238594055}],"sentiment":"neutral","sentiment_score":0.06456079804338515,"num_words":10,"start":1316.17,"end":1327.15},{"sentences":[{"text":"And do you know her phone number at all?","start":1328.01,"end":1329.765,"sentiment":"neutral","sentiment_score":0.06201685551140043},{"text":"Yep.","start":1335.765,"end":1336.265,"sentiment":"neutral","sentiment_score":0.005618961062282324},{"text":"Yep.","start":1340.165,"end":1340.665,"sentiment":"neutral","sentiment_score":0.00951295718550682},{"text":"196.","start":1342.725,"end":1343.58,"sentiment":"neutral","sentiment_score":0.02161526679992676},{"text":"Fantastic.","start":1343.82,"end":1344.2999,"sentiment":"neutral","sentiment_score":0.17340120673179626}],"sentiment":"neutral","sentiment_score":0.059100007029393546,"num_words":13,"start":1328.01,"end":1344.2999},{"sentences":[{"text":"It's just an ex of kin there.","start":1344.2999,"end":1345.74,"sentiment":"neutral","sentiment_score":-0.016221741480486735},{"text":"So if we are unable to get a hold of you, we can call Lisa just to check to see if everything's okay and how we contact you.","start":1345.74,"end":1352.46,"sentiment":"neutral","sentiment_score":0.02689924876072577},{"text":"But it's no personal information can be given to make it easier for you.","start":1352.46,"end":1357.0199,"sentiment":"neutral","sentiment_score":-0.05807064101099968},{"text":"Okay?","start":1357.0199,"end":1357.5199,"sentiment":"neutral","sentiment_score":-0.002817070111632347},{"text":"Excellent.","start":1358.7799,"end":1359.2799,"sentiment":"neutral","sentiment_score":0.24890780448913577}],"sentiment":"neutral","sentiment_score":0.0014260497090278893,"num_words":51,"start":1344.2999,"end":1359.2799},{"sentences":[{"text":"Now your three children down here as your beneficiaries, are they all over 18?","start":1360.1151,"end":1364.6951,"sentiment":"neutral","sentiment_score":0.08682502965841975},{"text":"Yep.","start":1366.755,"end":1367.0751,"sentiment":"neutral","sentiment_score":0.03974133729934693},{"text":"So not tax dependents.","start":1367.0751,"end":1368.375,"sentiment":"neutral","sentiment_score":0.029311233200132847},{"text":"Beautiful.","start":1368.435,"end":1368.935,"sentiment":"positive","sentiment_score":0.4102458357810974},{"text":"Beautiful.","start":1370.915,"end":1371.415,"sentiment":"positive","sentiment_score":0.4999177157878876}],"sentiment":"neutral","sentiment_score":0.10870001128032095,"num_words":21,"start":1360.1151,"end":1371.415},{"sentences":[{"text":"Thank you for updating that for me.","start":1371.9551,"end":1374.055,"sentiment":"positive","sentiment_score":0.5660497306713036},{"text":"And the other thing to sort of have a look at is the estate planning side of things.","start":1375.11,"end":1378.87,"sentiment":"neutral","sentiment_score":0.05622679553925991},{"text":"So I can see here last time we sort of checked in, you didn't have a will power of attorney set up.","start":1378.87,"end":1383.51,"sentiment":"neutral","sentiment_score":0.02818283900110559},{"text":"Is that something yourself and Lisa have talked about the past doing?","start":1383.51,"end":1386.705,"sentiment":"neutral","sentiment_score":0.017797252163290977},{"text":"No.","start":1389.745,"end":1390.065,"sentiment":"neutral","sentiment_score":-0.08045607805252075}],"sentiment":"neutral","sentiment_score":0.09545939733895163,"num_words":60,"start":1371.9551,"end":1390.065},{"sentences":[{"text":"That's okay.","start":1390.065,"end":1391.0449,"sentiment":"neutral","sentiment_score":0.09694780968129635},{"text":"It is something as well worth looking at.","start":1391.265,"end":1393.5249,"sentiment":"neutral","sentiment_score":0.29983899369835854},{"text":"We obviously have your beneficiaries on file for your super, which means in the event of you passing your super, it can be directed out to, you know, where you wanted to go, your three kids as per your record as per what your wishes are.","start":1393.585,"end":1405.77,"sentiment":"neutral","sentiment_score":0.2299980929364329},{"text":"But everything else that you've got outside of super so think about your cars, your collectible cars.","start":1406.15,"end":1411.1901,"sentiment":"neutral","sentiment_score":0.07217526413938578},{"text":"You've also got your savings accounts and all your your, you know, things there.","start":1411.1901,"end":1416.455,"sentiment":"neutral","sentiment_score":0.0718640573322773}],"sentiment":"neutral","sentiment_score":0.17707581766720476,"num_words":87,"start":1390.065,"end":1416.455},{"sentences":[{"text":"All of that would have to be essentially collected, sold up, passed on to beneficiaries without having a willing pay in place you do.","start":1416.455,"end":1423.835,"sentiment":"neutral","sentiment_score":0.039120510686188936},{"text":"Possibly in test date, which means that everything kinda goes to has to go through a probate process.","start":1424.0549,"end":1428.455,"sentiment":"neutral","sentiment_score":-0.009443177634643184},{"text":"It goes through a legal process so people can come forward and stake a claim on your assets.","start":1428.455,"end":1432.62,"sentiment":"neutral","sentiment_score":0.07612630807691151},{"text":"No guarantees that they're gonna get anything, but they can stake a claim there.","start":1433.0,"end":1436.4401,"sentiment":"neutral","sentiment_score":0.008086723142436572},{"text":"So it is definitely worth having a will and a power of attorney done up by a solicitor to make sure that everything is handed to where you want it to go, especially you've got those two very nice collectible cars there, which will hopefully just build in value as as time goes on.","start":1436.4401,"end":1452.3151,"sentiment":"positive","sentiment_score":0.4576602241507283}],"sentiment":"neutral","sentiment_score":0.2106723033793969,"num_words":128,"start":1416.455,"end":1452.3151},{"sentences":[{"text":"So it is definitely worth having a think about and doing out.","start":1452.615,"end":1455.495,"sentiment":"neutral","sentiment_score":0.26464753473798436},{"text":"Okay?","start":1455.495,"end":1455.995,"sentiment":"neutral","sentiment_score":0.1848060041666031},{"text":"Excellent.","start":1457.335,"end":1457.835,"sentiment":"positive","sentiment_score":0.6283038854598999},{"text":"Now in the documents that I have sent through to, you've got a copy of your super rundown, which has your super balance there as I went through before.","start":1458.55,"end":1467.1901,"sentiment":"neutral","sentiment_score":0.25187309805689184},{"text":"It's also got a copy of your performance report there.","start":1467.1901,"end":1470.01,"sentiment":"neutral","sentiment_score":0.21058970391750337}],"sentiment":"neutral","sentiment_score":0.25281315451523045,"num_words":53,"start":1452.615,"end":1470.01},{"sentences":[{"text":"It does also have in there our financial services guide, which outlines everything about who we are, what we do, and how we do it.","start":1470.31,"end":1476.975,"sentiment":"neutral","sentiment_score":0.2393827337026596},{"text":"And then it does also have your ongoing service agreement there as well.","start":1476.975,"end":1480.335,"sentiment":"neutral","sentiment_score":0.22295676515652582},{"text":"So you are an ongoing client.","start":1480.335,"end":1481.855,"sentiment":"neutral","sentiment_score":0.2484040011962255},{"text":"You do pay an ongoing service fee of 1.65% for us looking after your super, providing ongoing support and advice there as well, and helping you work towards your goals.","start":1481.855,"end":1492.21,"sentiment":"positive","sentiment_score":0.41293842146794},{"text":"That doesn't stop when you hit retirement.","start":1492.59,"end":1494.37,"sentiment":"neutral","sentiment_score":0.1948286752615656}],"sentiment":"neutral","sentiment_score":0.2978442428104671,"num_words":81,"start":1470.31,"end":1494.37},{"sentences":[{"text":"We'll then provide additional advice on how to draw down your income, how to make it last, and make sure you are in the correct risk profiling side of things as well.","start":1494.4299,"end":1501.7899,"sentiment":"neutral","sentiment_score":0.09280908107757568},{"text":"So with this ongoing service fee, it's still 1.65% for the year.","start":1501.7899,"end":1507.075,"sentiment":"neutral","sentiment_score":0.118520046894749},{"text":"It's just that we've updated things.","start":1507.075,"end":1508.6749,"sentiment":"neutral","sentiment_score":0.11499187722802162},{"text":"So once your balance is over 200,000, you'll drop down into a tiered structure.","start":1508.6749,"end":1513.415,"sentiment":"neutral","sentiment_score":0.11479906737804413},{"text":"And we've outlined it as more of a set dollar figure fee.","start":1513.875,"end":1516.6749,"sentiment":"neutral","sentiment_score":0.10418340936303139}],"sentiment":"neutral","sentiment_score":0.10446671416100703,"num_words":76,"start":1494.4299,"end":1516.6749},{"sentences":[{"text":"So it doesn't essentially works at how much you're going to pay for the year, and you don't pay more than that.","start":1516.6749,"end":1521.89,"sentiment":"neutral","sentiment_score":0.10721139694479379},{"text":"But it's still just 1.65% as it has been for yourself for this year.","start":1522.43,"end":1526.5901,"sentiment":"neutral","sentiment_score":0.2522132471203804},{"text":"Okay?","start":1526.5901,"end":1527.0901,"sentiment":"neutral","sentiment_score":0.05033423751592636},{"text":"Do you have any questions about how the ongoing service fee works?","start":1527.15,"end":1530.5901,"sentiment":"neutral","sentiment_score":0.025990832597017288},{"text":"Or same as it has been the last few years, maybe easier.","start":1530.5901,"end":1536.4451,"sentiment":"neutral","sentiment_score":0.10469065420329571}],"sentiment":"neutral","sentiment_score":0.12308439789492576,"num_words":61,"start":1516.6749,"end":1536.4451},{"sentences":[{"text":"Fantastic.","start":1537.785,"end":1538.285,"sentiment":"positive","sentiment_score":0.7417774796485901},{"text":"When you get some time, if you can run your eyes over those annual review documents for me just to kind of sign and return those back.","start":1539.145,"end":1545.385,"sentiment":"neutral","sentiment_score":0.3091278125842412},{"text":"If you do find you have any questions, you're welcome to let me know.","start":1545.385,"end":1548.43,"sentiment":"neutral","sentiment_score":0.260430317904268},{"text":"The last thing I wanted to sort of look at was your risk profiling just to sort of make sure you are invested correctly.","start":1548.81,"end":1554.27,"sentiment":"neutral","sentiment_score":0.022626126107449334},{"text":"Now one of the things that Kyle would have spoke to you about last year was you invested in more of a growth asset a growth environment.","start":1554.73,"end":1563.005,"sentiment":"neutral","sentiment_score":0.02650343481865194}],"sentiment":"neutral","sentiment_score":0.1504609960942499,"num_words":93,"start":1537.785,"end":1563.005},{"sentences":[{"text":"So it generally sees about 80% of your super invested in growth assets.","start":1563.305,"end":1567.305,"sentiment":"neutral","sentiment_score":0.041501421481370926},{"text":"So you're thinking things like Australian shares, international shares, listed property, and commodities like gold and silver.","start":1567.305,"end":1574.265,"sentiment":"neutral","sentiment_score":0.030079699943170828},{"text":"So precious metals there.","start":1574.265,"end":1575.805,"sentiment":"neutral","sentiment_score":0.016700319945812225},{"text":"That sort of environment is suited to someone who has about six years before accessing their super there.","start":1576.29,"end":1581.5901,"sentiment":"neutral","sentiment_score":0.018754932408531506},{"text":"They are realistically, this kind of environment, you're sort of looking to obtain about a seven to 9% on a regular basis.","start":1582.05,"end":1589.4901,"sentiment":"neutral","sentiment_score":0.026954565705223518}],"sentiment":"neutral","sentiment_score":0.027679241715452156,"num_words":74,"start":1563.305,"end":1589.4901},{"sentences":[{"text":"Anything over 9% seen as a very good year.","start":1589.4901,"end":1592.625,"sentiment":"neutral","sentiment_score":-0.0074187107384204865},{"text":"Anything under seven is a bit of an underperformance there.","start":1592.625,"end":1595.265,"sentiment":"neutral","sentiment_score":-0.26764640063047407},{"text":"But the expectation for the ups and downs in the market is normal, and we do expect a negative year around about one in every sort of five years there.","start":1595.265,"end":1604.005,"sentiment":"neutral","sentiment_score":-0.3199073647459348},{"text":"When we sort of look at where you're at at the moment, the reason I kind of earlier went into what age you're sort of looking to access your super is that you are 57 this year.","start":1604.37,"end":1613.27,"sentiment":"neutral","sentiment_score":-0.11611343477223371},{"text":"So we wanna make sure that when you do get closer to accessing super, when the time is right, we start to reduce your risk down a little bit.","start":1613.41,"end":1620.895,"sentiment":"neutral","sentiment_score":0.2341836865605979}],"sentiment":"neutral","sentiment_score":-0.0856115088838598,"num_words":115,"start":1589.4901,"end":1620.895},{"sentences":[{"text":"If you're happy to keep working till the age 65, it does mean that you have eight years ahead of you there, so you can still be in this environment a little bit longer.","start":1621.4349,"end":1629.615,"sentiment":"neutral","sentiment_score":0.318893676295},{"text":"But I just wanted to go through a couple of questions to assess whether we should maybe start reducing the risk for you as well.","start":1630.06,"end":1636.48,"sentiment":"neutral","sentiment_score":0.15381617069244385},{"text":"Okay.","start":1636.62,"end":1637.12,"sentiment":"neutral","sentiment_score":0.06351719051599503},{"text":"The first one here is, essentially, inflation means that things are getting more expensive over time.","start":1639.1,"end":1644.315,"sentiment":"neutral","sentiment_score":-0.05016894021537155},{"text":"When you think about your super, how much risk are you comfortable taking to get the better returns knowing there's a downside to that as well?","start":1644.315,"end":1652.735,"sentiment":"neutral","sentiment_score":-0.030153477779374674}],"sentiment":"neutral","sentiment_score":0.12906483319752357,"num_words":102,"start":1621.4349,"end":1652.735},{"sentences":[{"text":"Do you consider yourself to be very much a high risk taker?","start":1653.035,"end":1656.235,"sentiment":"neutral","sentiment_score":-0.10339681431651115},{"text":"You want the best returns you can possibly get even though you know there is the risk of a downside?","start":1656.235,"end":1661.03,"sentiment":"neutral","sentiment_score":-0.05014072842895985},{"text":"Are you considering yourself more moderate or medium in the middle to get the best returns you possibly can, or are you not comfortable taking risk in the market and you understand the returns are lower because of that?","start":1661.7301,"end":1672.905,"sentiment":"neutral","sentiment_score":-0.06035606792339912},{"text":"Where do you see yourself bidding on that scale?","start":1672.985,"end":1675.3251,"sentiment":"neutral","sentiment_score":-0.02141545123110215},{"text":"In the middle?","start":1677.7051,"end":1678.525,"sentiment":"neutral","sentiment_score":-0.009500795664886633}],"sentiment":"neutral","sentiment_score":-0.05805667996945151,"num_words":83,"start":1653.035,"end":1678.525},{"sentences":[{"text":"Beautiful.","start":1678.5851,"end":1679.0851,"sentiment":"neutral","sentiment_score":0.21686354279518127},{"text":"The next one here is if you saw your super fall by 20% over the next, say, six to twelve months, sir, due to what was happening globally in the markets, how do you think you might be feeling?","start":1681.625,"end":1691.48,"sentiment":"neutral","sentiment_score":-0.04760781112007606},{"text":"Are you thinking it's a investment opportunity, wanna put more money into the market and take advantage of that time frame?","start":1692.0199,"end":1697.96,"sentiment":"neutral","sentiment_score":-0.0037721084164721625},{"text":"Are you a bit nervous, maybe holding and waiting, calling us and seeing what we suggest you do, or are you wanting to sell your investments to cash?","start":1698.375,"end":1705.655,"sentiment":"neutral","sentiment_score":-0.15844400067414557},{"text":"You're a bit nervous.","start":1705.655,"end":1706.715,"sentiment":"neutral","sentiment_score":-0.19542520865797997}],"sentiment":"neutral","sentiment_score":-0.0745934217327064,"num_words":93,"start":1678.5851,"end":1706.715},{"sentences":[{"text":"Beautiful.","start":1711.735,"end":1712.235,"sentiment":"neutral","sentiment_score":0.07965895533561707},{"text":"Sorry.","start":1714.6101,"end":1715.1101,"sentiment":"neutral","sentiment_score":-0.1388494372367859},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or do you see borrowing to invest in those sorts of investments is too risky and have only ever wanted to borrow for, say, property?","start":1715.65,"end":1729.125,"sentiment":"neutral","sentiment_score":-0.181050179108065},{"text":"No.","start":1734.785,"end":1735.1051,"sentiment":"neutral","sentiment_score":-0.16390947997570038},{"text":"That's okay.","start":1735.1051,"end":1735.925,"sentiment":"neutral","sentiment_score":-0.052712906152009964}],"sentiment":"neutral","sentiment_score":-0.17037008426807546,"num_words":54,"start":1711.735,"end":1735.925},{"sentences":[{"text":"Beautiful.","start":1735.985,"end":1736.485,"sentiment":"neutral","sentiment_score":0.3055000305175781},{"text":"Excellent.","start":1738.4651,"end":1738.9651,"sentiment":"positive","sentiment_score":0.4441245496273041},{"text":"Perfect.","start":1744.17,"end":1744.65,"sentiment":"positive","sentiment_score":0.4705307185649872},{"text":"Thank you for that.","start":1744.65,"end":1745.45,"sentiment":"positive","sentiment_score":0.4139955937862396},{"text":"Sorry about that.","start":1745.45,"end":1746.43,"sentiment":"neutral","sentiment_score":-0.1472222755352656}],"sentiment":"neutral","sentiment_score":0.24344708472490312,"num_words":10,"start":1735.985,"end":1746.43},{"sentences":[{"text":"So where you have sort of scored at the moment, you have sort of scored in more of that moderate environment.","start":1746.57,"end":1751.63,"sentiment":"neutral","sentiment_score":-0.050079810654833204},{"text":"So it does sort of show from where you are currently invested in that 80% growth investments that we should start maybe just in that 80% growth investments that we should start maybe just dropping the risk level a little bit for you.","start":1751.69,"end":1760.435,"sentiment":"neutral","sentiment_score":0.046013012571736824},{"text":"Did you want to look at maybe reducing your risk level now, or did you wanna just hold off for six months when we do a bit of a catch up and we reassess the investments then?","start":1760.975,"end":1769.4,"sentiment":"neutral","sentiment_score":-0.004794618467221389},{"text":"How do you feel?","start":1769.4,"end":1770.46,"sentiment":"neutral","sentiment_score":-0.015252006240189075},{"text":"Yep.","start":1773.3201,"end":1773.8,"sentiment":"neutral","sentiment_score":-0.008374816738069057}],"sentiment":"neutral","sentiment_score":0.006416035772143108,"num_words":106,"start":1746.57,"end":1773.8},{"sentences":[{"text":"Yep.","start":1773.8,"end":1774.12,"sentiment":"neutral","sentiment_score":0.061800818890333176},{"text":"That's absolutely fine.","start":1774.12,"end":1775.58,"sentiment":"neutral","sentiment_score":0.22439185778299967},{"text":"Realistically, with that eight year time horizon, as long as you're wanting to, you know, stop working in the next sort of three to four years, it you find a stay where you are for the moment.","start":1775.96,"end":1784.535,"sentiment":"neutral","sentiment_score":-0.01777246841103644},{"text":"We sort of agreed early that we'd catch up in six months anyway just to sort of reassess how the super is going, talk about additional contributions so we can also reassess the risk level then for you as well.","start":1785.0751,"end":1796.48,"sentiment":"neutral","sentiment_score":0.05737916314974427},{"text":"And in the meantime, I'll focus on the insurance side of things for you.","start":1796.48,"end":1799.76,"sentiment":"neutral","sentiment_score":0.050843793100544384}],"sentiment":"neutral","sentiment_score":0.032467102004509224,"num_words":95,"start":1773.8,"end":1799.76},{"sentences":[{"text":"Does that sound appropriate and okay?","start":1799.76,"end":1801.52,"sentiment":"neutral","sentiment_score":0.06037411900858084},{"text":"Have I missed anything at all?","start":1801.52,"end":1803.14,"sentiment":"neutral","sentiment_score":-0.03409058259179195},{"text":"That's okay.","start":1805.36,"end":1806.26,"sentiment":"neutral","sentiment_score":0.12469624727964401},{"text":"Beautiful.","start":1806.4,"end":1806.9,"sentiment":"positive","sentiment_score":0.40806087851524353},{"text":"I also just had to hit a couple of additional goals that we had noted down in the past there.","start":1807.725,"end":1812.625,"sentiment":"neutral","sentiment_score":0.09589444641023874}],"sentiment":"neutral","sentiment_score":0.07808695770800114,"num_words":35,"start":1799.76,"end":1812.625},{"sentences":[{"text":"You were looking at maybe keeping an eye out for a potential new property.","start":1813.325,"end":1817.245,"sentiment":"neutral","sentiment_score":0.05099332159651177},{"text":"Is that something you're still looking at doing?","start":1817.245,"end":1819.245,"sentiment":"neutral","sentiment_score":0.01970292581245303},{"text":"Or nope.","start":1819.245,"end":1822.77,"sentiment":"neutral","sentiment_score":-0.08821285143494606},{"text":"That's okay.","start":1822.77,"end":1823.49,"sentiment":"neutral","sentiment_score":-0.059562478214502335},{"text":"I'll just remove that goal.","start":1823.49,"end":1824.9501,"sentiment":"neutral","sentiment_score":-0.027559406682848932}],"sentiment":"neutral","sentiment_score":0.014134910197988633,"num_words":31,"start":1813.325,"end":1824.9501},{"sentences":[{"text":"Easy.","start":1825.01,"end":1825.51,"sentiment":"neutral","sentiment_score":0.24154862761497495},{"text":"Lovely.","start":1826.6901,"end":1827.1901,"sentiment":"neutral","sentiment_score":0.33210813999176025},{"text":"And then having a think about your super, I've got down here that we're sort of tracking forward looking to try and access super and hopefully retire around about the age 65.","start":1827.73,"end":1836.835,"sentiment":"neutral","sentiment_score":0.11722692474722862},{"text":"You sort of mentioned to me you're happy with more of a lower risk passive portfolio.","start":1836.975,"end":1840.9149,"sentiment":"neutral","sentiment_score":0.12323648622259498},{"text":"Does that sound about right?","start":1841.855,"end":1843.375,"sentiment":"neutral","sentiment_score":0.07777417302131653}],"sentiment":"neutral","sentiment_score":0.1215558728033846,"num_words":55,"start":1825.01,"end":1843.375},{"sentences":[{"text":"Is there any sort of changes to that?","start":1843.375,"end":1845.39,"sentiment":"neutral","sentiment_score":0.028599359327927232},{"text":"Sounds comfortable?","start":1845.55,"end":1847.09,"sentiment":"neutral","sentiment_score":0.04475300572812557},{"text":"Fantastic.","start":1849.0701,"end":1849.5701,"sentiment":"neutral","sentiment_score":0.3265334367752075},{"text":"Excellent.","start":1850.67,"end":1851.17,"sentiment":"positive","sentiment_score":0.3360493779182434},{"text":"And in retirement, you just wanna spend some time with family.","start":1851.31,"end":1854.27,"sentiment":"neutral","sentiment_score":0.1928174929185347}],"sentiment":"neutral","sentiment_score":0.13486417925552183,"num_words":23,"start":1843.375,"end":1854.27},{"sentences":[{"text":"I have is what your goal is.","start":1854.27,"end":1855.63,"sentiment":"neutral","sentiment_score":0.14314340480736323},{"text":"Is that fairly accurate?","start":1855.63,"end":1856.83,"sentiment":"neutral","sentiment_score":0.12621375732123852},{"text":"Any other changes to what you'd like to do in those retirement years?","start":1856.83,"end":1859.655,"sentiment":"neutral","sentiment_score":0.05543377164464731},{"text":"I like it.","start":1862.375,"end":1863.355,"sentiment":"positive","sentiment_score":0.423974206050237},{"text":"Simple and nice.","start":1863.495,"end":1864.7151,"sentiment":"positive","sentiment_score":0.6201813022295634}],"sentiment":"neutral","sentiment_score":0.17866548063854376,"num_words":30,"start":1854.27,"end":1864.7151},{"sentences":[{"text":"Excellent.","start":1865.3351,"end":1865.8351,"sentiment":"positive","sentiment_score":0.37660083174705505},{"text":"In the next one to two or even five years, do you have any other goals that you're looking to achieve or anything else that you'd like to note down goal wise?","start":1866.775,"end":1874.91,"sentiment":"neutral","sentiment_score":0.04198581672972068},{"text":"No.","start":1876.8301,"end":1877.3301,"sentiment":"neutral","sentiment_score":-0.2161402404308319},{"text":"Just nice and simple.","start":1877.55,"end":1878.77,"sentiment":"neutral","sentiment_score":-0.07225639279931784},{"text":"Work for a few more years, build safe, and retire.","start":1878.91,"end":1881.15,"sentiment":"neutral","sentiment_score":-0.01113198958337307}],"sentiment":"neutral","sentiment_score":0.022992942909089226,"num_words":48,"start":1865.3351,"end":1881.15},{"sentences":[{"text":"Is that right?","start":1881.15,"end":1882.05,"sentiment":"neutral","sentiment_score":0.053464604541659355},{"text":"Yep.","start":1883.55,"end":1884.03,"sentiment":"neutral","sentiment_score":0.21882300078868863},{"text":"Beautiful.","start":1884.03,"end":1884.53,"sentiment":"positive","sentiment_score":0.6012734770774841},{"text":"I like it.","start":1884.5901,"end":1885.23,"sentiment":"positive","sentiment_score":0.5071539878845215},{"text":"Is Lisa older or younger than you?","start":1885.23,"end":1886.91,"sentiment":"neutral","sentiment_score":0.019706225554857935}],"sentiment":"neutral","sentiment_score":0.17599305560191472,"num_words":15,"start":1881.15,"end":1886.91},{"sentences":[{"text":"Is she likely to retire about the same age?","start":1886.91,"end":1889.085,"sentiment":"neutral","sentiment_score":-0.01192033663392067},{"text":"She's younger, so she'll work a little bit longer then.","start":1891.645,"end":1894.145,"sentiment":"neutral","sentiment_score":-0.06189888007938862},{"text":"Yep.","start":1895.4049,"end":1895.8049,"sentiment":"neutral","sentiment_score":0.06729929149150848},{"text":"That's okay.","start":1895.8049,"end":1896.625,"sentiment":"neutral","sentiment_score":0.21941298991441727},{"text":"Fantastic.","start":1897.005,"end":1897.505,"sentiment":"positive","sentiment_score":0.5740442276000977}],"sentiment":"neutral","sentiment_score":0.015386855148750803,"num_words":23,"start":1886.91,"end":1897.505},{"sentences":[{"text":"Well, look.","start":1898.0449,"end":1898.5249,"sentiment":"neutral","sentiment_score":0.3054913431406021},{"text":"Thank you so much for your time today, Carrie.","start":1898.5249,"end":1900.765,"sentiment":"positive","sentiment_score":0.6330113079812791},{"text":"Essentially, as I said, I've got the annual review pack in your email.","start":1900.765,"end":1903.4049,"sentiment":"neutral","sentiment_score":0.3122980181987469},{"text":"If you could have a look at that, sign and return it back for us, it would be greatly appreciated.","start":1903.4049,"end":1907.26,"sentiment":"positive","sentiment_score":0.4263011008501053},{"text":"We'll go back and we'll do some research around the insurance side of things there for you and update the recommendations.","start":1908.12,"end":1913.5,"sentiment":"neutral","sentiment_score":0.30889455832186197}],"sentiment":"positive","sentiment_score":0.3904733297916559,"num_words":65,"start":1898.0449,"end":1913.5},{"sentences":[{"text":"We're just looking at life and TBD for you.","start":1913.72,"end":1916.2001,"sentiment":"neutral","sentiment_score":0.20928030378288692},{"text":"Is that still correct?","start":1916.2001,"end":1917.3401,"sentiment":"neutral","sentiment_score":0.09213322587311268},{"text":"Beautiful.","start":1919.0851,"end":1919.5851,"sentiment":"positive","sentiment_score":0.3561145067214966},{"text":"Before I let you go, I am just gonna book you in to have a bit of a preassessment with my colleague as I mentioned before.","start":1919.885,"end":1925.505,"sentiment":"neutral","sentiment_score":0.09213406635591617},{"text":"Is there a day or time that normally suits you better?","start":1926.2051,"end":1928.765,"sentiment":"neutral","sentiment_score":0.026650768450715324}],"sentiment":"neutral","sentiment_score":0.1038591043621886,"num_words":51,"start":1913.72,"end":1928.765},{"sentences":[{"text":"A day, and is it morning or afternoon normally the best time for you?","start":1928.765,"end":1932.0,"sentiment":"neutral","sentiment_score":0.011640603321471385},{"text":"Yeah.","start":1936.22,"end":1936.7,"sentiment":"neutral","sentiment_score":0.0913468897342682},{"text":"Absolutely.","start":1936.7,"end":1937.2,"sentiment":"neutral","sentiment_score":0.2500562071800232},{"text":"Perfect.","start":1937.9,"end":1938.4,"sentiment":"positive","sentiment_score":0.3443913161754608},{"text":"Let's have a look.","start":1939.74,"end":1940.7,"sentiment":"neutral","sentiment_score":0.13635950163006783}],"sentiment":"neutral","sentiment_score":0.06639051743383918,"num_words":21,"start":1928.765,"end":1940.7},{"sentences":[{"text":"So where are we?","start":1940.7,"end":1944.7,"sentiment":"neutral","sentiment_score":0.00764334190171212},{"text":"This week, we're looking at, wow, it's September this week.","start":1944.7,"end":1948.785,"sentiment":"neutral","sentiment_score":-0.02203770438209176},{"text":"That is crazy.","start":1948.785,"end":1949.685,"sentiment":"neutral","sentiment_score":-0.1924352174003919},{"text":"If I was to book it in, say, Wednesday or Thursday afternoon this week, would that be okay, or would you prefer maybe next week?","start":1950.625,"end":1956.965,"sentiment":"neutral","sentiment_score":-0.013993706069886685},{"text":"Next week?","start":1959.67,"end":1960.15,"sentiment":"neutral","sentiment_score":0.0033408058807253838}],"sentiment":"neutral","sentiment_score":-0.025233417463658207,"num_words":44,"start":1940.7,"end":1960.15},{"sentences":[{"text":"Absolutely.","start":1960.15,"end":1960.65,"sentiment":"neutral","sentiment_score":0.07915541529655457},{"text":"I've got Monday or Wednesday.","start":1961.11,"end":1963.29,"sentiment":"neutral","sentiment_score":0.037795025110244754},{"text":"If it's easier, I could always do sort of 05:00 next Wednesday.","start":1964.15,"end":1968.89,"sentiment":"neutral","sentiment_score":0.04198950668796897},{"text":"Would that be okay, or is that too late?","start":1969.03,"end":1971.13,"sentiment":"neutral","sentiment_score":0.0006315219733450144},{"text":"Yep.","start":1973.03,"end":1973.51,"sentiment":"neutral","sentiment_score":0.15903915464878082}],"sentiment":"neutral","sentiment_score":0.033454552625439,"num_words":28,"start":1960.15,"end":1973.51},{"sentences":[{"text":"Beautiful.","start":1973.51,"end":1974.01,"sentiment":"positive","sentiment_score":0.45621824264526367},{"text":"Lovely.","start":1974.505,"end":1974.745,"sentiment":"positive","sentiment_score":0.4211561977863312},{"text":"That'll be my admin team member, Samantha.","start":1974.745,"end":1976.825,"sentiment":"neutral","sentiment_score":0.23015158304146358},{"text":"She'll give you a call.","start":1976.825,"end":1977.5449,"sentiment":"neutral","sentiment_score":0.18171666264533998},{"text":"Just run through a quick pre assessment.","start":1977.5449,"end":1979.085,"sentiment":"neutral","sentiment_score":0.14661893248558044}],"sentiment":"neutral","sentiment_score":0.21063577915940965,"num_words":21,"start":1973.51,"end":1979.085},{"sentences":[{"text":"Just an in-depth in-depth health health questionnaire just so I can go out to the market and reassess the types of insurance contracts that might be available, and then we can update the advice to reflect that for you.","start":1979.385,"end":1990.15,"sentiment":"neutral","sentiment_score":0.13733927332437956},{"text":"How does that sound?","start":1990.15,"end":1991.21,"sentiment":"neutral","sentiment_score":0.1711612194776535},{"text":"Beautiful.","start":1993.03,"end":1993.53,"sentiment":"positive","sentiment_score":0.7065762281417847},{"text":"Well, look, thank you so much for your time today, Carrie.","start":1993.67,"end":1995.91,"sentiment":"positive","sentiment_score":0.6996003768660806},{"text":"Is there anything that you maybe had question wise that I haven't touched on?","start":1995.91,"end":1999.11,"sentiment":"neutral","sentiment_score":0.12962392664381436}],"sentiment":"neutral","sentiment_score":0.23562017223541287,"num_words":69,"start":1979.385,"end":1999.11},{"sentences":[{"text":"Was there any additional questions that have come out of any of the reviews this afternoon?","start":1999.11,"end":2005.665,"sentiment":"neutral","sentiment_score":0.026719195302575827},{"text":"Beautiful.","start":2006.0449,"end":2006.525,"sentiment":"positive","sentiment_score":0.6174924373626709},{"text":"Well, thank you so much for your time.","start":2006.525,"end":2007.965,"sentiment":"positive","sentiment_score":0.6980322748422623},{"text":"I'll talk to you in a few weeks to go through the advice recommendations.","start":2007.965,"end":2011.345,"sentiment":"positive","sentiment_score":0.4483315476349422},{"text":"And if you find you do have questions in the meantime, you're more than welcome to let me know.","start":2011.485,"end":2015.645,"sentiment":"positive","sentiment_score":0.35384080598228856}],"sentiment":"positive","sentiment_score":0.33842887485335615,"num_words":58,"start":1999.11,"end":2015.645},{"sentences":[{"text":"Okay?","start":2015.645,"end":2016.145,"sentiment":"neutral","sentiment_score":0.2313387244939804},{"text":"Thank you for your time.","start":2017.7329,"end":2018.6929,"sentiment":"positive","sentiment_score":0.723014235496521},{"text":"Enjoy your afternoon.","start":2018.6929,"end":2019.8329,"sentiment":"positive","sentiment_score":0.6988894939422607},{"text":"Thank you.","start":2021.8129,"end":2022.3729,"sentiment":"positive","sentiment_score":0.595599889755249},{"text":"See you 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Yeah. Good. Thanks. Yeah. Please. Yes. Carrie John Damon. '15 769. 245 Beck River Road in Norfolk. Yep. Yeah. Pretty busy. Yep. Not finished today. Just want an update on where things are at and how's it going. That's all. Alright. Is that is that the sleeping that I'm paying in, or that's just the what I've made? Okay. Yep. Yeah. I'm not I'm not too sure. No. Just leave it as it is. Yep. Yep. Oh, yeah. I'd like to retire early. I've yeah. Let's see how it goes. No. It's that sign. Yep. Probably not at the moment. Yep. Definitely. Yeah. I'm looking at probably the sixty sixty five or something. No. Yeah. More, I reckon. Yeah. Well, yeah. From your family. Yep. Yep. Yeah. I'm seeing your eligibility buzzer now. So yeah. I'll just run the job site. No. I did get a little one that yeah. I've gotta actually put in for another one now, actually. Probably law insurance. Receiving. Yep. Yep. Yes. Yep. No. Yeah. I'll I'll do yeah. I was hoping I want some large cover. I'm not sure what it costs or anything or how much. Yes. Yep. Yep. Yeah. Then then the 300. Good. Yep. It's titled permanent disability or yeah. That. No. I'm just I don't know. I'm not sure. Whatever. Yes. No. Not really. Yes. Yep. Yep. Yep. No. I'm more than a bit of a real shit. 20,000. Oh, that'd be a tow I would call Colorado. Yep. Yep. It's an old Holden. E h 63 model, e h Holden. No. It's all done. Yep. Yep. It's another old home. It's a '73 model HQ. Yep. Yep. Yep. No. No. No. No. I'll put it into a car. Yeah. He's doing up the other two. Yeah. Yep. No. No. No. I'm not well, yeah. I'd I'll pay $700 a fortnight. I'll live with my partner. Jake. Have you got I think it's more heaven. He's one of the beneficiaries. Right. I can I can put another one there? Lisa. East. The partner. What's your phone number? 0409 002. 002. 196. Yep. Yep. Yep. Yes. Not not yet. Yes. Yes. Yep. No. That's fine. Yep. Yep. In the middle. I'll I'll just leave it up to use. No. No. No. I wouldn't borrow it. No. It will hold off for six months. Not. That's fine. No. Not now. Yep. No. No changes. No. Just the same. No. No. That's it. No. She's younger. Yep. Yep. Afternoon. Anything after 04:00. Mhmm. Next week. No. That'd be fine. Yep. No. Everything's fine. Okay then. Yep. You too. 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Yeah. Good. Thanks. Yeah.\n\nPlease. Yes. Carrie John Damon. '15 769. 245 Beck River Road in Norfolk.\n\nYep. Yeah. Pretty busy. Yep. Not finished today.\n\nJust want an update on where things are at and how's it going. That's all. Alright. Is that is that the sleeping that I'm paying in, or that's just the what I've made? Okay.\n\nYep. Yeah. I'm not I'm not too sure. No. Just leave it as it is.\n\nYep. Yep. Oh, yeah. I'd like to retire early. I've yeah.\n\nLet's see how it goes. No. It's that sign. Yep. Probably not at the moment.\n\nYep. Definitely. Yeah. I'm looking at probably the sixty sixty five or something. No.\n\nYeah. More, I reckon. Yeah. Well, yeah. From your family.\n\nYep. Yep. Yeah. I'm seeing your eligibility buzzer now. So yeah.\n\nI'll just run the job site. No. I did get a little one that yeah. I've gotta actually put in for another one now, actually. Probably law insurance.\n\nReceiving. Yep. Yep. Yes. Yep.\n\nNo. Yeah. I'll I'll do yeah. I was hoping I want some large cover. I'm not sure what it costs or anything or how much.\n\nYes. Yep. Yep. Yeah. Then then the 300.\n\nGood. Yep. It's titled permanent disability or yeah. That. No.\n\nI'm just I don't know. I'm not sure. Whatever. Yes. No.\n\nNot really. Yes. Yep. Yep. Yep.\n\nNo. I'm more than a bit of a real shit. 20,000. Oh, that'd be a tow I would call Colorado. Yep.\n\nYep. It's an old Holden. E h 63 model, e h Holden. No. It's all done.\n\nYep. Yep. It's another old home. It's a '73 model HQ. Yep.\n\nYep. Yep. No. No. No.\n\nNo. I'll put it into a car. Yeah. He's doing up the other two. Yeah.\n\nYep. No. No. No. I'm not well, yeah.\n\nI'd I'll pay $700 a fortnight. I'll live with my partner. Jake. Have you got I think it's more heaven. He's one of the beneficiaries.\n\nRight. I can I can put another one there? Lisa. East. The partner.\n\nWhat's your phone number? 0409 002. 002. 196. Yep.\n\nYep. Yep. Yes. Not not yet. Yes.\n\nYes. Yep. No. That's fine. Yep.\n\nYep. In the middle. I'll I'll just leave it up to use. No. No.\n\nNo. I wouldn't borrow it. No. It will hold off for six months. Not.\n\nThat's fine. No. Not now. Yep. No.\n\nNo changes. No. Just the same. No. No.\n\nThat's it. No. She's younger. Yep. Yep.\n\nAfternoon. Anything after 04:00. Mhmm. Next week. No.\n\nThat'd be fine. Yep. No. Everything's fine. Okay then.\n\nYep. You too. 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This is Dana from MoView Financial. How are you this afternoon?\n\nChannel 1: Yeah. Good. Thanks.\n\nChannel 0: That's good. I had you booked in to go through your annual review today. Is now still a good time there for you?\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for us\n\nChannel 1: Please.\n\nChannel 0: to proceed with that?\n\nChannel 1: Yes.\n\nChannel 0: Fantastic. And just a little quick security check there for you as well just because we are discussing your personal information. I'll get you to confirm your full name, your date of birth, and address I should have on file here.\n\nChannel 1: Carrie John Damon. '15\n\nChannel 0: Yeah.\n\nChannel 1: 769. 245 Beck River Road in Norfolk.\n\nChannel 0: Lovely. Thank you so much for that. Carrie, as part of your annual review, I do send through some documents to you. Are you able to access your emails here at the moment? If you can't, it's okay.\n\nI can run through them. That's alright. Yeah. Not an issue. I'll send them through to you.\n\nThat way, they're in your inbox ready to go for you to have a little a look at later on, and I'll run you through the bits and pieces that we need to, and we'll reassess your goals and see if there's any new advice to sort of look at providing for you this year. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. How's your day been so far? Did you work today?\n\nChannel 1: Yeah. Pretty busy.\n\nChannel 0: Yeah? Are you finished for the day now? You get to put your feet up after this?\n\nChannel 1: Yep. Not finished today.\n\nChannel 0: Fantastic. Excellent. Carrie, firstly, I'll go through and give you a bit of an update on your sofa. Before I kinda go through that, is there any particular questions you might have for me today that you wanted me to sort of touch on, or is it just giving you an update on where things are at? And\n\nChannel 1: Just want an update on where things are at and how's it going. That's\n\nChannel 0: yeah.\n\nChannel 1: all.\n\nChannel 0: Fantastic. Well, just that was to give you an update on your balance there. So as of the August 26, which is when we provide the documents, that your super balance is sitting at a $185,390.41 there. So it is good. We have definitely seen an increase there for you.\n\nYour balance as of today's date were up to a 185,321 in your super there. So you've had a little bit more additional additional growth on the year. When we sort of look at how your investments have performed as a whole over the past twelve months there, the net return is showing 8.08%. So it is a good return. When we look back to your balance this time last year, you were sitting at a 163,619.\n\nSome people do prefer a a dollar figure as opposed to a percentage. So if you look at the gross plus the income within your super over the past twelve months after fees, you've made $16,911.85, sir. So it is good. You have seen a good increase in the last twelve months there\n\nChannel 1: Alright.\n\nChannel 0: and\n\nChannel 1: Is that\n\nChannel 0: making just over 16,000.\n\nChannel 1: is that the sleeping that I'm paying in, or that's just the what I've made?\n\nChannel 0: That is the growth and the income. So it's essentially the income that's being generated out of the portfolio and any additional growth there. That's not necessarily looking at your contributions going in. That's what the portfolio has generated.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. And it's net of fees too. It it was set to be about a 8.08% return, which is actually very good for the year there as well. When I still look at how you invested with your portfolio, now my colleague, Kyle, he actually provided advice to you last year to alter your portfolio, and he's got you in more of a growth portfolio. I was having a look back at your goals last year when you sort spoke to him, and he kind of made mention, well, the goal I have here is that was that you wanted to ensure your super was actively invested and that you're getting the returns that will assist you with growth.\n\nNow I just wanted just to clarify, when you say actively managed, are you sort of looking at having active investment managers in your portfolio to take on a bit more risk to get greater potential returns, or is it more just having us sort of look after the portfolio? How did you sort of want things actively managed? Sorry. Hard questions.\n\nChannel 1: Yeah. I'm not I'm not too sure.\n\nChannel 0: No. That's okay. One of the things I sorta noticed was because there are active managers, and one of the active managers you previously had in your super fund was Bennelong. You probably remember that was in your super fund back in the day. Bennelong is more of an actively managed fund.\n\nThe good thing is that when Kyle provided that advice to you last year, that was around about July, that was all switched over, and you were moved out of that Bennelong investment. It worked in your favor because the portfolio he's put you in has actually performed better. Unfortunately, after that advice was provided, the Bennelong investment hasn't performed as well. So Kyle moved you out of that investment prior to it tanking and which means your your super has performed much greater than anyone that was still in that investment there. But you are in more of a passively managed portfolio.\n\nIt's not more of an actively managed portfolio. The main difference between the two is having active managers means that those investment managers are trying to pick and tie the market. They're trying to pick when to invest, what to invest in. You can pay a little bit more in investment fees to have those sorts of active managers in your portfolio. And the other way to invest is more passive.\n\nSo how do you portfolio. And the other way to invest is more passive. So having investments and ETFs that track the indices or track an index fund more often than not. Having passively managed portfolios can outperform and provide a greater return than having an active manager in there because the active manager doesn't always meet the benchmark. They don't always outperform against the market.\n\nThey don't always time the market very well. Thinking forward, are you comfortable kind of having a more passively managed portfolio, or did you wanna take a bit more risk and have active managers in your portfolio? How do you feel about that?\n\nChannel 1: No. Just leave it as it is.\n\nChannel 0: You're happy with that? Yeah. That's absolutely fine. The other thing I sort of wanted to touch on is when you do get a little bit older, sort of between the fifties and sixties, sometimes it is better to take a little bit less risk in the market where you can. You still wanna make your super work.\n\nBut having those passively managed portfolios means that you are also diversifying and taking a little bit less risk in the market. They can also be cheaper. So a part of keeping your super working harder is trying to limit the amount of fees where possible. And so having a cheaper portfolio can mean more money stays invested, and you're super working harder for you. Does that all make sense so far?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Beautiful. Excellent. So I've sort of established you're happy to keep that passive portfolio. It is working really well with you, and, honestly, you've made a really great return this year, especially with the ups and downs the market has sort of felt and seen.\n\nSo I'm pretty happy with that. What I still wanted to look at moving forward was what else we can kind of do to help provide a bit of additional growth to your super and kinda keep it working harder. When are you sorta hoping to retire? I had down here age 70. Is that still your goal age, or you think you'd like to retire earlier?\n\nWhat's your thoughts so far?\n\nChannel 1: Oh, yeah. I'd like to retire early. I've yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Let's see how\n\nChannel 0: Depends.\n\nChannel 1: it goes.\n\nChannel 0: Yeah. Absolutely. Income wise, I have you earning about 73,000 per annum. Is that still correct, or has that gone up since last year?\n\nChannel 1: No. It's that sign. Yep.\n\nChannel 0: The same? Excellent. So another way I think we can sort of look at or another way of helping to boost your super and provide you know, make it work a bit harder for you is to increase contributions in the super. Are you in a position where you could be salary sacrificing or putting more into super to help grow it a little bit faster so you might be able to retire earlier?\n\nChannel 1: Probably not at the moment.\n\nChannel 0: Okay. No. That's okay. That's not a problem at all. Did you want me to maybe sort of catch up, let's say, in six months when we can maybe reevaluate and see if that's something you're able to do maybe early next year?\n\nWould that be a possibility? Or\n\nChannel 1: Yep. Definitely.\n\nChannel 0: Yeah. Excellent. Lovely. And, look, there are some other strategies. So having a look at things at the moment, you're 57 this year.\n\nSo you just recently turned 57 in July there. When you do turn 60, there are other strategies that we can put in place as well. I'm not sure if anyone's ever spoken to you about a transition or time and strategy, but it's kind of a really cool strategy where you can be salary sacrificing or adding more contributions in the super. But because of your age, we'll be able to keep your take home pay the same and draw a little bit out to replenish your income. So when you do happen to turn 60, if you like, we can sort of reassess other strategies that might provide an option.\n\nUntil then, essentially, your salary sacrificing or adding additional contributions is the best way to, you know, help you super work a little bit harder there. And I'm just making a note that we'll touch base in six months and reevaluate whether that's an option for you. Does that sound okay? Yeah. Beautiful.\n\nUnder the current under the current legislation, if you decide to retire at the age of 60, which you can do, and access your super wholly, you can access it fully tax free. Are you sort of thinking you wanna retire around about that age, or are you sort of hoping to or wanting to continue working a bit longer than maybe age 65, 67? What age, realistically, would you like me to keep as a goal for you to work on?\n\nChannel 1: Yeah. I'm looking at probably the sixty sixty five or something.\n\nChannel 0: 65? Yep. Beautiful. I'll just update your goal there for you. Fantastic.\n\nAnd have you thought about what kind of income you might like to live on or draw down out of super in retirement? I think last time we caught up, you were thinking $500 per week. Is that still looking like your goal, or do you think you might need to live on more?\n\nChannel 1: No. Yeah. More, I reckon.\n\nChannel 0: Yeah. That's okay. Did you want me to maybe boost it up a bit more to say $6.07, or $1,000 a week for the goal just to sort of see?\n\nChannel 1: Yeah. Well, yeah. From your family.\n\nChannel 0: Yeah. Perfect. One of the big things is when we're sort of looking at the income component now, that's just sort of looking at a goal so we can kind of track things forward for you. But when you actually get to the point where you retire, at that time, we'll look at what you need to live on, what you want to live on, how much you need to drive a sleeper, and then how we draw that out. So up until the point you actually retire, it is just a goal, sort of looking at, you know, how we can sort of track and predict things forward.\n\nBut we'll look at your income and your income needs at retirement when we get to that point for you. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. Fantastic. Has there been any changes in your role over the last twelve months? You're still a machine operator? Have you had any promotions or changes to your job?\n\nChannel 1: Yeah. I'm seeing your eligibility buzzer now.\n\nChannel 0: Nice. And what does what does that mean you do on a daily basis?\n\nChannel 1: So yeah. I'll just run the job site.\n\nChannel 0: Yep. Beautiful. And it didn't come with a pay rise? That's a shame. You're definitely worth more.\n\nChannel 1: No. I did get a little one that yeah. I've gotta actually put in for another one now, actually.\n\nChannel 0: Absolutely. Well, I think you should definitely get on that when you get back to work. Absolutely. Fantastic. And then the other thing we do like to touch on is, obviously, your sleep is doing quite well.\n\nWe've touched on the return then, that sort of aspect. Having a look at things now, you don't have any insurances, no life, TBD, income protection, trauma, insurance, or personal insurances like those. You sort of happy and comfortable not having any personal protection or personal insurances. Did you wanna sort of talk about what they are, how they can look after you, and what they look like? Or are you happy with the way things are structured?\n\nChannel 1: Probably law insurance.\n\nChannel 0: Life insurance? Yep. With the way life insurance is structured, so it pays out a lump sum benefit if you were to pass away. With not having any life insurance paid out of your super at the moment, it means that your your super balance is all that would be paid out to your beneficiary. Just to double check I have everything correct, in the event of passing, who is it that you want your super to be paid out to or your life benefit paid out to?\n\nChannel 1: Receiving.\n\nChannel 0: Your siblings?\n\nChannel 1: Yep.\n\nChannel 0: Yep. That's okay. I'm just double checking to see what I have on record here for you under the beneficiaries. So I've got here your beneficiary nomination, 33 to be paid out to Courtney, 34 to Jake, and 33 to Jai. Is that correct?\n\nChannel 1: Yep.\n\nChannel 0: I have them noted as children. Is that accurate?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. So having the all it's paid out to your three children is the way you would like that to be paid.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. So having you think about the life cover, sort of looking at the way it's structured at the moment not having any additional life benefit if you were to pass away today, your super benefit is what's paid out to them. That's based on the balance of a $185,390.41 there. I can see here, looking at things, you don't have any debt.\n\nIs that right? Do you have a mortgage or any additional debts that would have to be paid out from that money?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. Do you feel like that that $1.85 is enough that you would have paid out to your three children, or did you wanna look at getting a bit of life covered a supplement if you would have passed away? Or how do you feel?\n\nChannel 1: Yeah. I'll I'll do yeah. I was hoping I want some large cover.\n\nChannel 0: Yep. That's okay. Is there a set amount of life cover you would like to have for yourself, or is it just enough to meet a certain goal?\n\nChannel 1: I'm not sure what it costs or anything or how much.\n\nChannel 0: Yeah. That's okay. So how it would sorta work is you would sorta give me a goal, and I go back and work out and look at all the different insurers to work out what kind of life cover would be available. I would need to also make sure my team can do a pre assessment with you. So when I'm looking at providing advice around insurances, we wanna understand your health in detail so we know when we go out to the market what kind of insurance contract would be offered for you, how it looks, what the cost of it might be.\n\nThere's a few things that we definitely look at as part of the research there. Did you want me to go out and do all do that research for you and maybe update the advice to reflect to getting a life policy and what that might look for yourself and your super?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Beautiful. After the call, I'll get you booked in with one of my lovely team to do a bit of a pre assessment, and then I can go out to the market and have a look at what's on offer. We'll come back with the advice, show you what we're recommending, and then it's up to you to decide whether you're happy to take those recommendations or not. Does that sound okay, Carrie?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. So we're looking at life cover. Now do you think that maybe just the base level of life cover, a 100,200 thousand, $2.50, 500,000, what sort of benefit do you think you'd like to be covered for?\n\nChannel 1: Yeah. Then then the 300.\n\nChannel 0: About 300,000?\n\nChannel 1: Good.\n\nChannel 0: Yep. Beautiful. So 300,000 then having your super paid out to your beneficiaries on top of that. So it's essentially giving you about 485,000 of cover. Does that sound appropriate?\n\nAre you fairly comfortable with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. There are other types of personal insurances like total permanent disability coverage, pays out a lump sum or an income stream if you're unable to ever go back to work again, income protection and trauma. Did you wanna look at any of those, or you're just happy to have a bit of life cover?\n\nChannel 1: It's titled permanent disability or yeah.\n\nChannel 0: Yeah. Yeah. Did you sort of want the same level of TBD as life, or is there a set goal or a set amount you would like to be covered for?\n\nChannel 1: That. No. I'm just I don't know. I'm not sure. Whatever.\n\nChannel 0: That's okay. If we think about what TBD covers you for and what it is, it essentially pays out a benefit if you're never able to go back to work again. So if you think about the types of things that could go wrong in your job, things that could stop you from ever going back to work again, essentially, you would need to maybe I mean, you don't have any debts to pay out. But are you renting where you're located? Do you have rental costs on a weekly or fortnightly basis?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So if you weren't able to work again, those rental costs would definitely will absolutely continue. Plus, some people who are going through a TBD might have ongoing rehabilitation, might wanna replace their income for a certain period of time. They may, you know, need to make alterations to the car, things like that to support them with the disability that they encounter if the event that you were unable to go to work. Is there a certain level of income that you might wanna cover yourself for, like, you know, one, two, five, ten years of income replacement?\n\nChannel 1: No. Not really.\n\nChannel 0: No. That's okay. Did you want me to just look at the same level of TPD as life cover, make the recommendation,\n\nChannel 1: Yes. Yep.\n\nChannel 0: and show you what the cost of that is, the advantages, disadvantages, and risks? And then we can always readjust it if if that needs to be. Does that sound alright?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Beautiful. Sorry. I ask all the\n\nChannel 1: No.\n\nChannel 0: questions you've probably never thought about answering before. That's all good. And so we're just looking at life and TPD. You don't wanna look at any other types of insurances. You're fairly comfortable with everything else?\n\nChannel 1: I'm more than a bit of a real shit.\n\nChannel 0: Yeah. Beautiful. Excellent. I do have your assets noted down here. Now I do apologize.\n\nI have three cars noted. I don't know what types of cars they are. I'll update them with you now. The first one was valued at 20,000. Which of your vehicles would you value with that?\n\nChannel 1: 20,000.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, that'd be a tow I would call Colorado.\n\nChannel 0: Okay. Alright. Beautiful. And would you still value it about the same?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Fantastic. And there's no debt owing on that one. I owned completely outright.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. I've got a second vehicle noted down here. The asset value we had last year was 50,000. What sort of vehicle would you be valuing about that?\n\nChannel 1: It's an old Holden.\n\nChannel 0: Beautiful. What sort of Holden?\n\nChannel 1: E h 63 model, e h Holden.\n\nChannel 0: Oh, nice. 63. Is it one that you've done up or doing up?\n\nChannel 1: No. It's all done.\n\nChannel 0: Beautiful. And would you keep the value of 50,000? Is it more of a classic?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. I've also got here another another car asset value of 90,000. Which of your vehicles would have been valued about that?\n\nChannel 1: It's another old home. It's a '73 model HQ.\n\nChannel 0: Beautiful. Definitely a Holden man, I see.\n\nChannel 1: Yep.\n\nChannel 0: I've also got your boat down here with a value of 22,000. Do you still have your boat?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: And that value would be boat, motor, trailer, everything? Yep. Fantastic. And\n\nChannel 1: No.\n\nChannel 0: then savings, we had about 80,000 sitting in the bank. Do you still have that? No. It's all gone. Do you have any sort of savings or any of that left sitting in the account?\n\nChannel 1: No. No.\n\nChannel 0: No. That I'll just note that down there for you. Beautiful. What you end up doing with the 80,000? Was that just, like, living expenses and helping you along?\n\nWas there a specific, goal or anything you used it for?\n\nChannel 1: No. I'll put it into a car.\n\nChannel 0: Oh, nice. Nice.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Is that another car that you purchased, or was it doing up the other three that you have?\n\nChannel 1: He's doing up the other two. Yeah.\n\nChannel 0: Yeah. The 63 and the '70 three Holdens? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Lovely. Do you have any other assets that you will wanna note down? Any other cars, boats, caravans, collections, tools of trade, cryptocurrency,\n\nChannel 1: No.\n\nChannel 0: shares? Nothing?\n\nChannel 1: No.\n\nChannel 0: That's okay.\n\nChannel 1: No.\n\nChannel 0: That's absolutely fine. Not a problem. And you're renting, you mentioned. How much rent are you paying on a regular basis?\n\nChannel 1: I'm not well, yeah. I'd I'll pay $700 a fortnight. I'll live with my partner.\n\nChannel 0: Yep. Okay. Beautiful. Fantastic. I don't have anyone noted down here as a next of kin on file.\n\nI should probably update that for you as well. If in the event we were unable to get a hold of yourself, who would you want nominated as your next of\n\nChannel 1: Jake.\n\nChannel 0: kin? Jake. Lovely. And what's your surname? Perfect.\n\nExcellent. And just a phone number if you know it?\n\nChannel 1: Have you got\n\nChannel 0: Sorry.\n\nChannel 1: I think it's more heaven. He's one of the beneficiaries.\n\nChannel 0: Oh, we don't have phone numbers on the beneficiary\n\nChannel 1: Right.\n\nChannel 0: side of things. No. No. Sorry. That for very limited information.\n\nChannel 1: I can I can put another one there?\n\nChannel 0: Yes. Yep. Perfect. Who would you like to nominate?\n\nChannel 1: Lisa. East.\n\nChannel 0: Lisa Lovely East. Yep. And Lisa's relationship\n\nChannel 1: The\n\nChannel 0: to yourself?\n\nChannel 1: partner.\n\nChannel 0: Oh, partner. Beautiful. Fantastic. And do you know her phone number at all?\n\nChannel 1: What's your phone number? 0409\n\nChannel 0: Yep.\n\nChannel 1: 002. 002. 196.\n\nChannel 0: Yep. 196. Fantastic. It's just an ex of kin there. So if we are unable to get a hold of you, we can call Lisa\n\nChannel 1: Yep.\n\nChannel 0: just to check to see if everything's okay and how we contact you. But it's no personal information can be given to make it easier for you. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. Now your three children down here as your beneficiaries, are they all over 18?\n\nChannel 1: Yes.\n\nChannel 0: Yep. So not tax dependents. Beautiful. Beautiful. Thank you for updating that for me.\n\nAnd the other thing to sort of have a look at is the estate planning side of things. So I can see here last time we sort of checked in, you didn't have a will power of attorney set up. Is that something yourself and Lisa have talked about the past doing?\n\nChannel 1: Not not yet.\n\nChannel 0: No. That's okay. It is something as well worth looking at. We obviously have your beneficiaries on file for your super, which means in the event of you passing your super, it can be directed out to, you know, where you wanted to go, your three kids as per your record as per what your wishes are. But everything else that you've got outside of super so think about your cars, your collectible cars.\n\nYou've also got your savings accounts and all your your, you know, things there. All of that would have to be essentially collected, sold up, passed on to beneficiaries without having a willing pay in place you do. Possibly in test date, which means that everything kinda goes to has to go through a probate process. It goes through a legal process so people can come forward and stake a claim on your assets. No guarantees that they're gonna get anything, but they can stake a claim there.\n\nSo it is definitely worth having a will and a power of attorney done up by a solicitor to make sure that everything is handed to where you want it to go, especially you've got those two very nice collectible cars there, which will hopefully just build in value as as time goes on. So it is definitely\n\nChannel 1: Yes.\n\nChannel 0: worth having a think about and doing out. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Excellent. Now in the documents that I have sent through to, you've got a copy of your super rundown, which has your super balance there as I went through before. It's also got a copy of your performance report there. It does also have in there our financial services guide, which outlines everything about who we are, what we do, and how we do it. And then it does also have your ongoing service agreement there as well.\n\nSo you are an ongoing client. You do pay an ongoing service fee of 1.65% for us looking after your super, providing ongoing support and advice there as well, and helping you work towards your goals. That doesn't stop when you hit retirement. We'll then provide additional advice on how to draw down your income, how to make it last, and make sure you are in the correct risk profiling side of things as well. So with this ongoing service fee, it's still 1.65% for the year.\n\nIt's just that we've updated things. So once your balance is over 200,000, you'll drop down into a tiered structure. And we've outlined it as more of a set dollar figure fee. So it doesn't essentially works at how much you're going to pay for the year, and you don't pay more than that. But it's still just 1.65% as it has been for yourself for this year.\n\nOkay? Do you have any questions\n\nChannel 1: Yep.\n\nChannel 0: about how the ongoing service fee works? Or\n\nChannel 1: No. That's fine.\n\nChannel 0: same as it has been the last few years, maybe easier. Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: When you get some time, if you can run your eyes over those annual review documents for me just to kind of sign and return those back. If you do find you have any questions, you're welcome to let me know. The last thing I wanted to sort of look at was your risk profiling just to sort of make sure you are invested correctly. Now one of the things that Kyle would have spoke to you about last year was you invested in more of a growth asset a growth environment. So it generally sees about 80% of your super invested in growth assets.\n\nSo you're thinking things like Australian shares, international shares, listed property, and commodities like gold and silver. So precious metals there. That sort of environment is suited to someone who has about six years before accessing their super there. They are realistically, this kind of environment, you're sort of looking to obtain about a seven to 9% on a regular basis. Anything over 9% seen as a very good year.\n\nAnything under seven is a bit of an underperformance there. But the expectation for the ups and downs in the market is normal, and we do expect a negative year around about one in every sort of five years there. When we sort of look at where you're at at the moment, the reason I kind of earlier went into what age you're sort of looking to access your super is that you are 57 this year. So we wanna make sure that when you do get closer to accessing super, when the time is right, we start to reduce your risk down a little bit. If you're happy to keep working till the age 65, it does mean that you have eight years ahead of you there, so you can still be in this environment a little bit longer.\n\nBut I just wanted to go through a couple of questions to assess whether we should maybe start reducing the risk for you as well. Okay.\n\nChannel 1: Yep.\n\nChannel 0: The first one here is, essentially, inflation means that things are getting more expensive over time. When you think about your super, how much risk are you comfortable taking to get the better returns knowing there's a downside to that as well? Do you consider yourself to be very much a high risk taker? You want the best returns you can possibly get even though you know there is the risk of a downside? Are you considering yourself more moderate or medium in the middle to get the best returns you possibly can, or are you not comfortable taking risk in the market and you understand the returns are lower because of that?\n\nWhere do you see yourself bidding on that scale?\n\nChannel 1: In the middle.\n\nChannel 0: In the middle? Beautiful. The next one here is if you saw your super fall by 20% over the next, say, six to twelve months, sir, due to what was happening globally in the markets, how do you think you might be feeling? Are you thinking it's a investment opportunity, wanna put more money into the market and take advantage of that time frame? Are you a bit nervous, maybe holding and waiting, calling us and seeing what we suggest you do, or are you wanting to sell your investments to cash?\n\nYou're a bit nervous.\n\nChannel 1: I'll I'll just leave it up to use.\n\nChannel 0: Beautiful. Sorry. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or do you see borrowing to invest in those sorts of investments is too risky and have only ever wanted to borrow for, say, property?\n\nChannel 1: No. No. No. I wouldn't borrow it.\n\nChannel 0: No. That's okay. Beautiful. Excellent. Perfect.\n\nThank you for that. Sorry about that. So where you have sort of scored at the moment, you have sort of scored in more of that moderate environment. So it does sort of show from where you are currently invested in that 80% growth investments that we should start maybe just in that 80% growth investments that we should start maybe just dropping the risk level a little bit for you. Did you want to look at maybe reducing your risk level now, or did you wanna just hold off for six months when we do a bit of a catch up and we reassess the investments then?\n\nHow do you feel?\n\nChannel 1: No. It will hold off for six months.\n\nChannel 0: Yep. Yep. That's absolutely fine. Realistically, with that eight year time horizon, as long as you're wanting to, you know, stop working in the next sort of three to four years, it you find a stay where you are for the moment. We sort of agreed early that we'd catch up in six months anyway just to sort of reassess how the super is going, talk about additional contributions so we can also reassess the risk level then for you as well.\n\nAnd in the meantime, I'll focus on the insurance side of things for you. Does that sound appropriate and okay? Have I missed anything at all?\n\nChannel 1: Not. That's fine.\n\nChannel 0: That's okay. Beautiful. I also just had to hit a couple of additional goals that we had noted down in the past there. You were looking at maybe keeping an eye out for a potential new property. Is that something you're still looking at doing?\n\nOr\n\nChannel 1: No. Not now.\n\nChannel 0: nope. That's okay. I'll just remove that goal. Easy. Lovely.\n\nAnd then having a think about your super, I've got down here that we're sort of tracking forward looking to try and access super and hopefully retire around about the age 65. You sort of mentioned to me you're happy with more of a lower risk passive portfolio. Does that sound about right? Is there any\n\nChannel 1: Yep.\n\nChannel 0: sort of changes to that? Sounds comfortable?\n\nChannel 1: No. No changes.\n\nChannel 0: Fantastic. Excellent. And in retirement, you just wanna spend some time with family. I have is what your goal is. Is that fairly accurate?\n\nAny other changes to what you'd like to do in those retirement years?\n\nChannel 1: No. Just the same.\n\nChannel 0: I like it. Simple and nice. Excellent. In the next one to two or even five years, do you have any other goals that you're looking to achieve or anything else that you'd like to note down goal wise?\n\nChannel 1: No. No.\n\nChannel 0: No. Just nice and simple. Work for a few more years, build safe, and retire. Is that right?\n\nChannel 1: That's\n\nChannel 0: Yep. Beautiful. I like it. Is Lisa older or younger than you? Is she likely to retire\n\nChannel 1: it.\n\nChannel 0: about the same age?\n\nChannel 1: No. She's younger.\n\nChannel 0: She's younger, so she'll work a little bit longer then.\n\nChannel 1: Yep.\n\nChannel 0: Yep. That's okay. Fantastic. Well, look. Thank you so much for your time today, Carrie.\n\nEssentially, as I said, I've got the annual review pack in your email. If you could have a look at that, sign and return it back for us, it would be greatly appreciated. We'll go back and we'll do some research around the insurance side of things there for you and update the recommendations. We're just looking at life and TBD for you. Is that still correct?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Before I let you go, I am just gonna book you in to have a bit of a preassessment with my colleague as I mentioned before. Is there a day or time that normally suits you better? A day, and is it morning or afternoon normally the best time for you?\n\nChannel 1: Afternoon. Anything after 04:00.\n\nChannel 0: Yeah. Absolutely. Perfect. Let's have a look. So\n\nChannel 1: Mhmm.\n\nChannel 0: where are we? This week, we're looking at, wow, it's September this week. That is crazy. If I was to book it in, say, Wednesday or Thursday afternoon this week, would that be okay, or would you prefer maybe next week?\n\nChannel 1: Next\n\nChannel 0: Next week? Absolutely. I've got Monday or Wednesday. If it's easier, I could always do sort of 05:00 next Wednesday. Would that be okay, or is that too late?\n\nChannel 1: week. No. That'd be fine.\n\nChannel 0: Yep. Beautiful. Lovely. That'll be my admin team member, Samantha. She'll give you a call.\n\nJust run through a quick pre assessment. Just an in-depth in-depth health health questionnaire just so I can go out to the market and reassess the types of insurance contracts that might be available, and then we can update the advice to reflect that for you. How does that sound?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Well, look, thank you so much for your time today, Carrie. Is there anything that you maybe had question wise that I haven't touched on? Was there any additional questions that have come out of any of the reviews this\n\nChannel 1: No. Everything's fine.\n\nChannel 0: afternoon? Beautiful. Well, thank you so much for your time. I'll talk to you in a few weeks to go through the advice recommendations. And if you find you do have questions in the meantime, you're more than welcome to let me know.\n\nOkay?\n\nChannel 1: Okay then.\n\nChannel 0: Thank you for your time. Enjoy your afternoon.\n\nChannel 1: Yep. You too. Bye.\n\nChannel 0: Thank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.03520289063453674}],"sentiment":"neutral","sentiment_score":0.03520289063453674,"channel":1,"num_words":1,"start":1.52,"end":2.02},{"sentences":[{"text":"Hi, Carrie.","start":2.8799999,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.1446087509393692},{"text":"This is Dana from MoView Financial.","start":3.4399998,"end":5.12,"sentiment":"neutral","sentiment_score":0.16638309260209402},{"text":"How are you this afternoon?","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.23578287959098815}],"sentiment":"neutral","sentiment_score":0.189725419649711,"channel":0,"num_words":13,"start":2.8799999,"end":6.2599998},{"sentences":[{"text":"Yeah.","start":6.7999997,"end":7.12,"sentiment":"neutral","sentiment_score":0.2911362051963806},{"text":"Good.","start":7.12,"end":7.3599997,"sentiment":"positive","sentiment_score":0.6090860366821289},{"text":"Thanks.","start":7.3599997,"end":7.8599997,"sentiment":"positive","sentiment_score":0.6880701780319214}],"sentiment":"positive","sentiment_score":0.5294308066368103,"channel":1,"num_words":3,"start":6.7999997,"end":7.8599997},{"sentences":[{"text":"That's good.","start":8.32,"end":8.88,"sentiment":"positive","sentiment_score":0.7102404832839966},{"text":"I had you booked in to go through your annual review today.","start":8.88,"end":11.04,"sentiment":"positive","sentiment_score":0.40539536128441495},{"text":"Is now still a good time there for you?","start":11.04,"end":12.98,"sentiment":"positive","sentiment_score":0.3751909037431081}],"sentiment":"positive","sentiment_score":0.4200844972029976,"channel":0,"num_words":23,"start":8.32,"end":12.98},{"sentences":[{"text":"Yeah.","start":13.2,"end":13.7,"sentiment":"neutral","sentiment_score":0.3265579342842102}],"sentiment":"neutral","sentiment_score":0.3265579342842102,"channel":1,"num_words":1,"start":13.2,"end":13.7},{"sentences":[{"text":"Fantastic.","start":15.035001,"end":15.535001,"sentiment":"positive","sentiment_score":0.5866899490356445},{"text":"Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":15.835,"end":20.315,"sentiment":"neutral","sentiment_score":0.15728601133045944},{"text":"Are you happy for us","start":20.315,"end":21.275,"sentiment":"neutral","sentiment_score":0.20472154915332794}],"sentiment":"neutral","sentiment_score":0.18027158466906384,"channel":0,"num_words":29,"start":15.035001,"end":21.275},{"sentences":[{"text":"Please.","start":21.245,"end":21.745,"sentiment":"neutral","sentiment_score":0.12193813920021056}],"sentiment":"neutral","sentiment_score":0.12193813920021056,"channel":1,"num_words":1,"start":21.245,"end":21.745},{"sentences":[{"text":"to proceed with that?","start":21.275,"end":22.415,"sentiment":"neutral","sentiment_score":0.07876054383814335}],"sentiment":"neutral","sentiment_score":0.07876054383814335,"channel":0,"num_words":4,"start":21.275,"end":22.415},{"sentences":[{"text":"Yes.","start":22.845001,"end":23.345001,"sentiment":"neutral","sentiment_score":0.21706049144268036}],"sentiment":"neutral","sentiment_score":0.21706049144268036,"channel":1,"num_words":1,"start":22.845001,"end":23.345001},{"sentences":[{"text":"Fantastic.","start":24.075,"end":24.575,"sentiment":"positive","sentiment_score":0.4905518293380738},{"text":"And just a little quick security check there for you as well just because we are discussing your personal information.","start":24.635,"end":29.13,"sentiment":"neutral","sentiment_score":0.2505985327064991},{"text":"I'll get you to confirm your full name, your date of birth, and address I should have on file here.","start":29.13,"end":33.23,"sentiment":"neutral","sentiment_score":0.17511628568172455}],"sentiment":"neutral","sentiment_score":0.21963044383176944,"channel":0,"num_words":41,"start":24.075,"end":33.23},{"sentences":[{"text":"Carrie John Damon.","start":33.63,"end":34.77,"sentiment":"neutral","sentiment_score":0.019864411403735478},{"text":"'15","start":34.989998,"end":35.47,"sentiment":"neutral","sentiment_score":0.012741416692733765}],"sentiment":"neutral","sentiment_score":0.01808366272598505,"channel":1,"num_words":4,"start":33.63,"end":35.47},{"sentences":[{"text":"Yeah.","start":35.45,"end":35.95,"sentiment":"neutral","sentiment_score":0.0167386457324028}],"sentiment":"neutral","sentiment_score":0.0167386457324028,"channel":0,"num_words":1,"start":35.45,"end":35.95},{"sentences":[{"text":"769.","start":35.47,"end":36.67,"sentiment":"neutral","sentiment_score":0.013829974457621574},{"text":"245 Beck River Road in Norfolk.","start":36.67,"end":38.475,"sentiment":"neutral","sentiment_score":0.025897616210083168}],"sentiment":"neutral","sentiment_score":0.024173667388302938,"channel":1,"num_words":7,"start":35.47,"end":38.475},{"sentences":[{"text":"Lovely.","start":39.37,"end":39.77,"sentiment":"positive","sentiment_score":0.4742411673069},{"text":"Thank you so much for that.","start":39.77,"end":41.265,"sentiment":"positive","sentiment_score":0.6661189496517181},{"text":"Carrie, as part of your annual review, I do send through some documents to you.","start":41.585,"end":44.704998,"sentiment":"neutral","sentiment_score":0.2689972400665283},{"text":"Are you able to access your emails here at the moment?","start":44.704998,"end":47.204998,"sentiment":"neutral","sentiment_score":0.08389440111138603},{"text":"If you can't, it's okay.","start":49.265,"end":50.465,"sentiment":"neutral","sentiment_score":0.008090845122933388}],"sentiment":"neutral","sentiment_score":0.2491896343172381,"channel":0,"num_words":38,"start":39.37,"end":50.465},{"sentences":[{"text":"I can run through them.","start":50.465,"end":51.504997,"sentiment":"neutral","sentiment_score":0.090988290309906},{"text":"That's alright.","start":51.504997,"end":52.245,"sentiment":"neutral","sentiment_score":0.1310828998684883},{"text":"Yeah.","start":52.305,"end":52.805,"sentiment":"neutral","sentiment_score":0.1458689272403717},{"text":"Not an issue.","start":53.84,"end":54.559998,"sentiment":"neutral","sentiment_score":0.1936802218357722},{"text":"I'll send them through to you.","start":54.559998,"end":55.6,"sentiment":"neutral","sentiment_score":0.24695182094971338}],"sentiment":"neutral","sentiment_score":0.17210163351367502,"channel":0,"num_words":17,"start":50.465,"end":55.6},{"sentences":[{"text":"That way, they're in your inbox ready to go for you to have a little a look at later on, and I'll run you through the bits and pieces that we need to, and we'll reassess your goals and see if there's any new advice to sort of look at providing for you this year.","start":55.6,"end":67.28,"sentiment":"neutral","sentiment_score":0.27919214963912964},{"text":"Okay?","start":67.28,"end":67.78,"sentiment":"neutral","sentiment_score":0.13389970362186432}],"sentiment":"neutral","sentiment_score":0.2765976416745356,"channel":0,"num_words":56,"start":55.6,"end":67.78},{"sentences":[{"text":"Yep.","start":68.425,"end":68.925,"sentiment":"neutral","sentiment_score":0.13280098140239716}],"sentiment":"neutral","sentiment_score":0.13280098140239716,"channel":1,"num_words":1,"start":68.425,"end":68.925},{"sentences":[{"text":"Excellent.","start":69.415,"end":69.915,"sentiment":"neutral","sentiment_score":0.30773285031318665},{"text":"How's your day been so far?","start":70.055,"end":71.415,"sentiment":"neutral","sentiment_score":0.1943842942516009},{"text":"Did you work today?","start":71.415,"end":72.875,"sentiment":"neutral","sentiment_score":0.062386670149862766}],"sentiment":"neutral","sentiment_score":0.1566895724020221,"channel":0,"num_words":11,"start":69.415,"end":72.875},{"sentences":[{"text":"Yeah.","start":73.305,"end":73.785,"sentiment":"neutral","sentiment_score":0.0011799130588769913},{"text":"Pretty busy.","start":73.785,"end":74.605,"sentiment":"neutral","sentiment_score":-0.0451224111020565}],"sentiment":"neutral","sentiment_score":-0.029688303048412006,"channel":1,"num_words":3,"start":73.305,"end":74.605},{"sentences":[{"text":"Yeah?","start":75.175,"end":75.675,"sentiment":"neutral","sentiment_score":-0.01981295645236969},{"text":"Are you finished for the day now?","start":75.815,"end":77.175,"sentiment":"neutral","sentiment_score":-0.02770286239683628},{"text":"You get to put your feet up after this?","start":77.175,"end":79.115,"sentiment":"neutral","sentiment_score":-0.010174544321166145}],"sentiment":"neutral","sentiment_score":-0.01795905247768935,"channel":0,"num_words":17,"start":75.175,"end":79.115},{"sentences":[{"text":"Yep.","start":79.305,"end":79.705,"sentiment":"neutral","sentiment_score":-0.004345680586993694},{"text":"Not finished today.","start":79.705,"end":80.845,"sentiment":"neutral","sentiment_score":-0.02863367150227229}],"sentiment":"neutral","sentiment_score":-0.02256167377345264,"channel":1,"num_words":4,"start":79.305,"end":80.845},{"sentences":[{"text":"Fantastic.","start":81.895,"end":82.395,"sentiment":"positive","sentiment_score":0.3807832598686218},{"text":"Excellent.","start":82.695,"end":83.195,"sentiment":"positive","sentiment_score":0.36182650923728943},{"text":"Carrie, firstly, I'll go through and give you a bit of an update on your sofa.","start":84.32,"end":87.619995,"sentiment":"neutral","sentiment_score":0.19572965614497662},{"text":"Before I kinda go through that, is there any particular questions you might have for me today that you wanted me to sort of touch on, or is it just giving you an update on where things are at?","start":88.159996,"end":95.92,"sentiment":"neutral","sentiment_score":0.1207654283214838},{"text":"And","start":95.92,"end":96.42,"sentiment":"neutral","sentiment_score":0.11859986186027528}],"sentiment":"neutral","sentiment_score":0.15004716954868416,"channel":0,"num_words":58,"start":81.895,"end":96.42},{"sentences":[{"text":"Just want an update on where things are at and how's it going.","start":96.945,"end":100.884995,"sentiment":"neutral","sentiment_score":0.15050003505670106},{"text":"That's","start":101.265,"end":101.585,"sentiment":"neutral","sentiment_score":0.20080964267253876}],"sentiment":"neutral","sentiment_score":0.15409357845783234,"channel":1,"num_words":14,"start":96.945,"end":101.585},{"sentences":[{"text":"yeah.","start":101.435,"end":101.915,"sentiment":"neutral","sentiment_score":0.15974143147468567}],"sentiment":"neutral","sentiment_score":0.15974143147468567,"channel":0,"num_words":1,"start":101.435,"end":101.915},{"sentences":[{"text":"all.","start":101.585,"end":102.085,"sentiment":"neutral","sentiment_score":0.16936089098453522}],"sentiment":"neutral","sentiment_score":0.16936089098453522,"channel":1,"num_words":1,"start":101.585,"end":102.085},{"sentences":[{"text":"Fantastic.","start":101.915,"end":102.415,"sentiment":"positive","sentiment_score":0.471154272556305},{"text":"Well, just that was to give you an update on your balance there.","start":104.155,"end":106.555,"sentiment":"neutral","sentiment_score":0.11934432860177296},{"text":"So as of the August 26, which is when we provide the documents, that your super balance is sitting at a $185,390.41 there.","start":106.555,"end":115.880005,"sentiment":"neutral","sentiment_score":0.14398463685875354},{"text":"So it is good.","start":115.880005,"end":116.68,"sentiment":"positive","sentiment_score":0.722151979804039},{"text":"We have definitely seen an increase there for you.","start":116.68,"end":119.100006,"sentiment":"positive","sentiment_score":0.7003539535734389}],"sentiment":"neutral","sentiment_score":0.2905214138701558,"channel":0,"num_words":50,"start":101.915,"end":119.100006},{"sentences":[{"text":"Your balance as of today's date were up to a 185,321 in your super there.","start":119.48,"end":125.72,"sentiment":"positive","sentiment_score":0.457398521900177},{"text":"So you've had a little bit more additional additional growth on the year.","start":125.72,"end":130.52501,"sentiment":"positive","sentiment_score":0.4713429579368004},{"text":"When we sort of look at how your investments have performed as a whole over the past twelve months there, the net return is showing 8.08%.","start":131.065,"end":139.865,"sentiment":"neutral","sentiment_score":0.283178536937787},{"text":"So it is a good return.","start":139.865,"end":141.085,"sentiment":"positive","sentiment_score":0.5654073854287466},{"text":"When we look back to your balance this time last year, you were sitting at a 163,619.","start":141.35,"end":146.89,"sentiment":"neutral","sentiment_score":0.0744588947033181}],"sentiment":"neutral","sentiment_score":0.32479641252717417,"channel":0,"num_words":77,"start":119.48,"end":146.89},{"sentences":[{"text":"Some people do prefer a a dollar figure as opposed to a percentage.","start":147.83,"end":152.49,"sentiment":"neutral","sentiment_score":0.037213657767726824},{"text":"So if you look at the gross plus the income within your super over the past twelve months after fees, you've made $16,911.85, sir.","start":152.63,"end":161.845,"sentiment":"neutral","sentiment_score":0.10892273827145497},{"text":"So it is good.","start":161.845,"end":162.565,"sentiment":"positive","sentiment_score":0.4644523337483406},{"text":"You have seen a good increase in the last twelve months there","start":162.565,"end":165.48,"sentiment":"neutral","sentiment_score":0.2560397945344448}],"sentiment":"neutral","sentiment_score":0.15147566299815224,"channel":0,"num_words":53,"start":147.83,"end":165.48},{"sentences":[{"text":"Alright.","start":165.54001,"end":165.7,"sentiment":"neutral","sentiment_score":0.06724045425653458}],"sentiment":"neutral","sentiment_score":0.06724045425653458,"channel":1,"num_words":1,"start":165.54001,"end":165.7},{"sentences":[{"text":"and","start":165.64,"end":165.87999,"sentiment":"neutral","sentiment_score":0.026735130697488785}],"sentiment":"neutral","sentiment_score":0.026735130697488785,"channel":0,"num_words":1,"start":165.64,"end":165.87999},{"sentences":[{"text":"Is that","start":165.7,"end":166.36,"sentiment":"neutral","sentiment_score":0.029827306047081947}],"sentiment":"neutral","sentiment_score":0.029827306047081947,"channel":1,"num_words":2,"start":165.7,"end":166.36},{"sentences":[{"text":"making just over 16,000.","start":165.87999,"end":167.65999,"sentiment":"neutral","sentiment_score":0.03553307196125388}],"sentiment":"neutral","sentiment_score":0.03553307196125388,"channel":0,"num_words":4,"start":165.87999,"end":167.65999},{"sentences":[{"text":"is that the sleeping that I'm paying in, or that's just the what I've made?","start":168.5,"end":173.32,"sentiment":"neutral","sentiment_score":-0.006226569600403309}],"sentiment":"neutral","sentiment_score":-0.006226569600403309,"channel":1,"num_words":15,"start":168.5,"end":173.32},{"sentences":[{"text":"That is the growth and the income.","start":174.04,"end":175.79999,"sentiment":"neutral","sentiment_score":0.052306581022483964},{"text":"So it's essentially the income that's being generated out of the portfolio and any additional growth there.","start":175.79999,"end":181.035,"sentiment":"neutral","sentiment_score":0.05906750371350961},{"text":"That's not necessarily looking at your contributions going in.","start":181.115,"end":183.595,"sentiment":"neutral","sentiment_score":0.01700985659327772},{"text":"That's what the portfolio has generated.","start":183.595,"end":185.295,"sentiment":"neutral","sentiment_score":0.05526200123131275}],"sentiment":"neutral","sentiment_score":0.047562931974728904,"channel":0,"num_words":39,"start":174.04,"end":185.295},{"sentences":[{"text":"Okay.","start":185.92499,"end":186.42499,"sentiment":"neutral","sentiment_score":0.07336503267288208},{"text":"Yep.","start":186.48499,"end":186.98499,"sentiment":"neutral","sentiment_score":0.07166635245084763}],"sentiment":"neutral","sentiment_score":0.07251569256186485,"channel":1,"num_words":2,"start":185.92499,"end":186.98499},{"sentences":[{"text":"Yeah.","start":187.27501,"end":187.515,"sentiment":"neutral","sentiment_score":0.0971369445323944},{"text":"And it's net of fees too.","start":187.515,"end":188.955,"sentiment":"neutral","sentiment_score":0.1526274879773458},{"text":"It it was set to be about a 8.08% return, which is actually very good for the year there as well.","start":188.955,"end":195.295,"sentiment":"neutral","sentiment_score":0.3121840237152009},{"text":"When I still look at how you invested with your portfolio, now my colleague, Kyle, he actually provided advice to you last year to alter your portfolio, and he's got you in more of a growth portfolio.","start":195.41,"end":206.79001,"sentiment":"neutral","sentiment_score":0.07201528096118488},{"text":"I was having a look back at your goals last year when you sort spoke to him, and he kind of made mention, well, the goal I have here is that was that you wanted to ensure your super was actively invested and that you're getting the returns that will assist you with growth.","start":207.33,"end":220.72499,"sentiment":"neutral","sentiment_score":0.10909973623024093}],"sentiment":"neutral","sentiment_score":0.1355018279194331,"channel":0,"num_words":119,"start":187.27501,"end":220.72499},{"sentences":[{"text":"Now I just wanted just to clarify, when you say actively managed, are you sort of looking at having active investment managers in your portfolio to take on a bit more risk to get greater potential returns, or is it more just having us sort of look after the portfolio?","start":221.025,"end":234.51999,"sentiment":"neutral","sentiment_score":-0.002756024766713381},{"text":"How did you sort of want things actively managed?","start":234.66,"end":237.64,"sentiment":"neutral","sentiment_score":-0.005625729345613056},{"text":"Sorry.","start":241.335,"end":241.735,"sentiment":"neutral","sentiment_score":-0.11341416835784912},{"text":"Hard questions.","start":241.735,"end":242.475,"sentiment":"neutral","sentiment_score":-0.10887699574232101}],"sentiment":"neutral","sentiment_score":-0.008380660682075446,"channel":0,"num_words":62,"start":221.025,"end":242.475},{"sentences":[{"text":"Yeah.","start":242.995,"end":243.315,"sentiment":"neutral","sentiment_score":-0.06518907099962234},{"text":"I'm not I'm not too sure.","start":243.315,"end":245.015,"sentiment":"neutral","sentiment_score":-0.09363847225904465}],"sentiment":"neutral","sentiment_score":-0.08957427207912717,"channel":1,"num_words":7,"start":242.995,"end":245.015},{"sentences":[{"text":"No.","start":245.655,"end":245.895,"sentiment":"neutral","sentiment_score":-0.0938822701573372},{"text":"That's okay.","start":245.895,"end":246.715,"sentiment":"neutral","sentiment_score":-0.022776354104280472},{"text":"One of the things I sorta noticed was because there are active managers, and one of the active managers you previously had in your super fund was Bennelong.","start":246.855,"end":255.69,"sentiment":"neutral","sentiment_score":0.011044814184840237},{"text":"You probably remember that was in your super fund back in the day.","start":256.07,"end":258.95,"sentiment":"neutral","sentiment_score":0.013749664577727135},{"text":"Bennelong is more of an actively managed fund.","start":258.95,"end":261.45,"sentiment":"neutral","sentiment_score":0.02479897136799991}],"sentiment":"neutral","sentiment_score":0.010518408255078472,"channel":0,"num_words":52,"start":245.655,"end":261.45},{"sentences":[{"text":"The good thing is that when Kyle provided that advice to you last year, that was around about July, that was all switched over, and you were moved out of that Bennelong investment.","start":261.91,"end":270.445,"sentiment":"neutral","sentiment_score":0.0893455230151162},{"text":"It worked in your favor because the portfolio he's put you in has actually performed better.","start":270.825,"end":275.245,"sentiment":"positive","sentiment_score":0.339246416464448},{"text":"Unfortunately, after that advice was provided, the Bennelong investment hasn't performed as well.","start":275.385,"end":280.185,"sentiment":"negative","sentiment_score":-0.3934312898379106},{"text":"So Kyle moved you out of that investment prior to it tanking and which means your your super has performed much greater than anyone that was still in that investment there.","start":280.185,"end":288.74002,"sentiment":"neutral","sentiment_score":-0.13636928099778392},{"text":"But you are in more of a passively managed portfolio.","start":289.28,"end":291.94,"sentiment":"neutral","sentiment_score":-0.025789029151201247}],"sentiment":"neutral","sentiment_score":-0.011879610168991738,"channel":0,"num_words":103,"start":261.91,"end":291.94},{"sentences":[{"text":"It's not more of an actively managed portfolio.","start":292.0,"end":293.955,"sentiment":"neutral","sentiment_score":-0.055504728108644485},{"text":"The main difference between the two is having active managers means that those investment managers are trying to pick and tie the market.","start":295.63498,"end":301.07498,"sentiment":"neutral","sentiment_score":-0.009264156303328016},{"text":"They're trying to pick when to invest, what to invest in.","start":301.07498,"end":304.53497,"sentiment":"neutral","sentiment_score":0.008614229207689112},{"text":"You can pay a little bit more in investment fees to have those sorts of active managers in your portfolio.","start":304.995,"end":307.86237,"sentiment":"neutral","sentiment_score":0.01820589080452919},{"text":"And the other way to invest is more passive.","start":307.86237,"end":307.93814,"sentiment":"neutral","sentiment_score":0.03313702469070753}],"sentiment":"neutral","sentiment_score":0.0014083681654342463,"channel":0,"num_words":71,"start":292.0,"end":307.93814},{"sentences":[{"text":"So how do you portfolio.","start":307.93814,"end":310.33,"sentiment":"neutral","sentiment_score":0.06345548182725906},{"text":"And the other way to invest is more passive.","start":310.95,"end":313.43,"sentiment":"neutral","sentiment_score":0.07484247576859263},{"text":"So having investments and ETFs that track the indices or track an index fund more often than not.","start":313.43,"end":320.15,"sentiment":"neutral","sentiment_score":0.13065272404087913},{"text":"Having passively managed portfolios can outperform and provide a greater return than having an active manager in there because the active manager doesn't always meet the benchmark.","start":320.15,"end":329.885,"sentiment":"neutral","sentiment_score":0.14775176573958662},{"text":"They don't always outperform against the market.","start":329.945,"end":332.185,"sentiment":"neutral","sentiment_score":-0.07394807333392757}],"sentiment":"neutral","sentiment_score":0.10324651341546666,"channel":0,"num_words":66,"start":307.93814,"end":332.185},{"sentences":[{"text":"They don't always time the market very well.","start":332.185,"end":334.445,"sentiment":"neutral","sentiment_score":-0.1049289321526885},{"text":"Thinking forward, are you comfortable kind of having a more passively managed portfolio, or did you wanna take a bit more risk and have active managers in your portfolio?","start":335.24,"end":343.58,"sentiment":"neutral","sentiment_score":0.03991243487288212},{"text":"How do you feel about that?","start":343.63998,"end":345.18,"sentiment":"neutral","sentiment_score":0.030889765669902165}],"sentiment":"neutral","sentiment_score":0.011706226700267126,"channel":0,"num_words":43,"start":332.185,"end":345.18},{"sentences":[{"text":"No.","start":344.685,"end":345.185,"sentiment":"neutral","sentiment_score":-0.16243520379066467},{"text":"Just leave it as it is.","start":346.285,"end":347.825,"sentiment":"neutral","sentiment_score":-0.050111825267473854}],"sentiment":"neutral","sentiment_score":-0.06615802219935826,"channel":1,"num_words":7,"start":344.685,"end":347.825},{"sentences":[{"text":"You're happy with that?","start":348.165,"end":349.285,"sentiment":"positive","sentiment_score":0.3891175836324692},{"text":"Yeah.","start":349.285,"end":349.525,"sentiment":"positive","sentiment_score":0.4369230270385742},{"text":"That's absolutely fine.","start":349.525,"end":350.825,"sentiment":"positive","sentiment_score":0.39185624818007153},{"text":"The other thing I sort of wanted to touch on is when you do get a little bit older, sort of between the fifties and sixties, sometimes it is better to take a little bit less risk in the market where you can.","start":351.125,"end":359.765,"sentiment":"neutral","sentiment_score":0.046197250182198925},{"text":"You still wanna make your super work.","start":359.765,"end":361.77,"sentiment":"neutral","sentiment_score":0.22407518540109908}],"sentiment":"neutral","sentiment_score":0.11593052003018815,"channel":0,"num_words":58,"start":348.165,"end":361.77},{"sentences":[{"text":"But having those passively managed portfolios means that you are also diversifying and taking a little bit less risk in the market.","start":362.16998,"end":369.05,"sentiment":"neutral","sentiment_score":0.2633361559022557},{"text":"They can also be cheaper.","start":369.05,"end":370.34998,"sentiment":"neutral","sentiment_score":0.32892094254493714},{"text":"So a part of keeping your super working harder is trying to limit the amount of fees where possible.","start":370.40997,"end":375.55,"sentiment":"neutral","sentiment_score":0.3140476793050766},{"text":"And so having a cheaper portfolio can mean more money stays invested, and you're super working harder for you.","start":376.215,"end":381.735,"sentiment":"positive","sentiment_score":0.3334138777695204},{"text":"Does that all make sense so far?","start":381.735,"end":383.51498,"sentiment":"neutral","sentiment_score":0.12029268592596054}],"sentiment":"neutral","sentiment_score":0.2858585906732414,"channel":0,"num_words":72,"start":362.16998,"end":383.51498},{"sentences":[{"text":"Yep.","start":383.95502,"end":384.45502,"sentiment":"neutral","sentiment_score":0.11853305995464324},{"text":"Yep.","start":384.67502,"end":385.17502,"sentiment":"neutral","sentiment_score":0.12883596122264862}],"sentiment":"neutral","sentiment_score":0.12368451058864594,"channel":1,"num_words":2,"start":383.95502,"end":385.17502},{"sentences":[{"text":"Yeah.","start":385.01498,"end":385.41498,"sentiment":"neutral","sentiment_score":0.30360060930252075},{"text":"Beautiful.","start":385.41498,"end":385.91498,"sentiment":"positive","sentiment_score":0.6587860584259033},{"text":"Excellent.","start":386.055,"end":386.53497,"sentiment":"positive","sentiment_score":0.6810814142227173},{"text":"So I've sort of established you're happy to keep that passive portfolio.","start":386.53497,"end":389.58002,"sentiment":"positive","sentiment_score":0.62083600461483},{"text":"It is working really well with you, and, honestly, you've made a really great return this year, especially with the ups and downs the market has sort of felt and seen.","start":389.58002,"end":396.7,"sentiment":"positive","sentiment_score":0.7290365484453016}],"sentiment":"positive","sentiment_score":0.6889920247637707,"channel":0,"num_words":46,"start":385.01498,"end":396.7},{"sentences":[{"text":"So I'm pretty happy with that.","start":396.7,"end":399.04,"sentiment":"positive","sentiment_score":0.7594839433828989},{"text":"What I still wanted to look at moving forward was what else we can kind of do to help provide a bit of additional growth to your super and kinda keep it working harder.","start":399.18,"end":407.475,"sentiment":"positive","sentiment_score":0.3595245831152972},{"text":"When are you sorta hoping to retire?","start":407.935,"end":409.855,"sentiment":"neutral","sentiment_score":0.04645063595048019},{"text":"I had down here age 70.","start":409.855,"end":411.455,"sentiment":"neutral","sentiment_score":0.014530684798955917},{"text":"Is that still your goal age, or you think you'd like to retire earlier?","start":411.455,"end":415.135,"sentiment":"neutral","sentiment_score":0.0373878194950521}],"sentiment":"neutral","sentiment_score":0.2644254853670944,"channel":0,"num_words":67,"start":396.7,"end":415.135},{"sentences":[{"text":"What's your thoughts so far?","start":415.135,"end":416.58,"sentiment":"neutral","sentiment_score":0.03153023049235344}],"sentiment":"neutral","sentiment_score":0.03153023049235344,"channel":0,"num_words":5,"start":415.135,"end":416.58},{"sentences":[{"text":"Oh, yeah.","start":416.94,"end":417.34,"sentiment":"neutral","sentiment_score":0.06609362550079823},{"text":"I'd like to retire early.","start":417.34,"end":418.62003,"sentiment":"neutral","sentiment_score":0.10221923142671585},{"text":"I've yeah.","start":418.62003,"end":419.6,"sentiment":"neutral","sentiment_score":0.05311296880245209}],"sentiment":"neutral","sentiment_score":0.08327881619334221,"channel":1,"num_words":9,"start":416.94,"end":419.6},{"sentences":[{"text":"Yeah.","start":419.69998,"end":420.19998,"sentiment":"neutral","sentiment_score":0.04401155561208725}],"sentiment":"neutral","sentiment_score":0.04401155561208725,"channel":0,"num_words":1,"start":419.69998,"end":420.19998},{"sentences":[{"text":"Let's see how","start":420.22,"end":420.86002,"sentiment":"neutral","sentiment_score":0.023930825293064117}],"sentiment":"neutral","sentiment_score":0.023930825293064117,"channel":1,"num_words":3,"start":420.22,"end":420.86002},{"sentences":[{"text":"Depends.","start":420.74,"end":421.24,"sentiment":"neutral","sentiment_score":0.03627534210681915}],"sentiment":"neutral","sentiment_score":0.03627534210681915,"channel":0,"num_words":1,"start":420.74,"end":421.24},{"sentences":[{"text":"it goes.","start":420.86002,"end":421.52002,"sentiment":"neutral","sentiment_score":0.03769233450293541}],"sentiment":"neutral","sentiment_score":0.03769233450293541,"channel":1,"num_words":2,"start":420.86002,"end":421.52002},{"sentences":[{"text":"Yeah.","start":422.09998,"end":422.5,"sentiment":"neutral","sentiment_score":0.07663404941558838},{"text":"Absolutely.","start":422.5,"end":423.0,"sentiment":"neutral","sentiment_score":0.11215810477733612},{"text":"Income wise, I have you earning about 73,000 per annum.","start":424.41998,"end":427.93997,"sentiment":"neutral","sentiment_score":0.054761503264307974},{"text":"Is that still correct, or has that gone up since last year?","start":427.93997,"end":430.91998,"sentiment":"neutral","sentiment_score":0.0368442228063941}],"sentiment":"neutral","sentiment_score":0.04910574418803056,"channel":0,"num_words":24,"start":422.09998,"end":430.91998},{"sentences":[{"text":"No.","start":431.51498,"end":431.675,"sentiment":"neutral","sentiment_score":-0.07122038304805756},{"text":"It's that sign.","start":431.675,"end":432.47498,"sentiment":"neutral","sentiment_score":-0.057978253811597824},{"text":"Yep.","start":432.47498,"end":432.97498,"sentiment":"neutral","sentiment_score":0.022343844175338745}],"sentiment":"neutral","sentiment_score":-0.044562260061502455,"channel":1,"num_words":5,"start":431.51498,"end":432.97498},{"sentences":[{"text":"The same?","start":433.915,"end":434.39502,"sentiment":"neutral","sentiment_score":0.02619600808247924},{"text":"Excellent.","start":434.39502,"end":434.89502,"sentiment":"neutral","sentiment_score":0.2170519977807999},{"text":"So another way I think we can sort of look at or another way of helping to boost your super and provide you know, make it work a bit harder for you is to increase contributions in the super.","start":435.67502,"end":445.27502,"sentiment":"neutral","sentiment_score":0.10610974713777885},{"text":"Are you in a position where you could be salary sacrificing or putting more into super to help grow it a little bit faster so you might be able to retire earlier?","start":445.27502,"end":453.19,"sentiment":"neutral","sentiment_score":0.07984664523974061}],"sentiment":"neutral","sentiment_score":0.09409211891879504,"channel":0,"num_words":74,"start":433.915,"end":453.19},{"sentences":[{"text":"Probably not at the moment.","start":456.615,"end":458.235,"sentiment":"neutral","sentiment_score":-0.16530564427375793}],"sentiment":"neutral","sentiment_score":-0.16530564427375793,"channel":1,"num_words":5,"start":456.615,"end":458.235},{"sentences":[{"text":"Okay.","start":459.01,"end":459.41,"sentiment":"neutral","sentiment_score":-0.029105084016919136},{"text":"No.","start":459.41,"end":459.65,"sentiment":"neutral","sentiment_score":-0.07002713531255722},{"text":"That's okay.","start":459.65,"end":460.38998,"sentiment":"neutral","sentiment_score":0.019810401601716876},{"text":"That's not a problem at all.","start":460.53,"end":462.15,"sentiment":"neutral","sentiment_score":0.13930676085874438},{"text":"Did you want me to maybe sort of catch up, let's say, in six months when we can maybe reevaluate and see if that's something you're able to do maybe early next year?","start":462.245,"end":470.245,"sentiment":"neutral","sentiment_score":0.00005593710353202892}],"sentiment":"neutral","sentiment_score":0.018097094731232107,"channel":0,"num_words":43,"start":459.01,"end":470.245},{"sentences":[{"text":"Would that be a possibility?","start":470.245,"end":471.385,"sentiment":"neutral","sentiment_score":0.007352616079151631},{"text":"Or","start":471.525,"end":471.685,"sentiment":"neutral","sentiment_score":0.01773129031062126}],"sentiment":"neutral","sentiment_score":0.009082395117729902,"channel":0,"num_words":6,"start":470.245,"end":471.685},{"sentences":[{"text":"Yep.","start":472.21,"end":472.71,"sentiment":"neutral","sentiment_score":0.05241250991821289},{"text":"Definitely.","start":472.77,"end":473.27,"sentiment":"neutral","sentiment_score":0.20345699787139893}],"sentiment":"neutral","sentiment_score":0.1279347538948059,"channel":1,"num_words":2,"start":472.21,"end":473.27},{"sentences":[{"text":"Yeah.","start":474.245,"end":474.745,"sentiment":"neutral","sentiment_score":0.32694971561431885},{"text":"Excellent.","start":474.885,"end":475.385,"sentiment":"positive","sentiment_score":0.7422775030136108},{"text":"Lovely.","start":475.765,"end":476.265,"sentiment":"positive","sentiment_score":0.727015495300293},{"text":"And, look, there are some other strategies.","start":476.62,"end":478.47998,"sentiment":"neutral","sentiment_score":0.17421433648892812},{"text":"So having a look at things at the moment, you're 57 this year.","start":478.53998,"end":482.22,"sentiment":"neutral","sentiment_score":0.06515137335428825}],"sentiment":"neutral","sentiment_score":0.1679439531720203,"channel":0,"num_words":23,"start":474.245,"end":482.22},{"sentences":[{"text":"So you just recently turned 57 in July there.","start":482.22,"end":485.12,"sentiment":"neutral","sentiment_score":0.06667058997684056},{"text":"When you do turn 60, there are other strategies that we can put in place as well.","start":485.66,"end":489.66,"sentiment":"neutral","sentiment_score":0.11324464529752731},{"text":"I'm not sure if anyone's ever spoken to you about a transition or time and strategy, but it's kind of a really cool strategy where you can be salary sacrificing or adding more contributions in the super.","start":489.66,"end":499.095,"sentiment":"neutral","sentiment_score":0.07064505757109539},{"text":"But because of your age, we'll be able to keep your take home pay the same and draw a little bit out to replenish your income.","start":499.635,"end":505.76,"sentiment":"neutral","sentiment_score":0.0897860641662891},{"text":"So when you do happen to turn 60, if you like, we can sort of reassess other strategies that might provide an option.","start":505.76,"end":512.18005,"sentiment":"neutral","sentiment_score":0.06810937384548395}],"sentiment":"neutral","sentiment_score":0.0807144167566938,"channel":0,"num_words":112,"start":482.22,"end":512.18005},{"sentences":[{"text":"Until then, essentially, your salary sacrificing or adding additional contributions is the best way to, you know, help you super work a little bit harder there.","start":512.56,"end":521.435,"sentiment":"neutral","sentiment_score":0.04481802379282621},{"text":"And I'm just making a note that we'll touch base in six months and reevaluate whether that's an option for you.","start":521.815,"end":527.095,"sentiment":"neutral","sentiment_score":0.0670522724588712},{"text":"Does that sound okay?","start":527.095,"end":528.235,"sentiment":"neutral","sentiment_score":0.08871016092598438},{"text":"Yeah.","start":529.89496,"end":530.375,"sentiment":"neutral","sentiment_score":0.13392052054405212},{"text":"Beautiful.","start":530.375,"end":530.875,"sentiment":"neutral","sentiment_score":0.32868173718452454}],"sentiment":"neutral","sentiment_score":0.06397753286193002,"channel":0,"num_words":53,"start":512.56,"end":530.875},{"sentences":[{"text":"Under the current under the current legislation, if you decide to retire at the age of 60, which you can do, and access your super wholly, you can access it fully tax free.","start":532.43,"end":544.21,"sentiment":"neutral","sentiment_score":0.11696009563677238},{"text":"Are you sort of thinking you wanna retire around about that age, or are you sort of hoping to or wanting to continue working a bit longer than maybe age 65, 67?","start":544.485,"end":553.46497,"sentiment":"neutral","sentiment_score":0.03394742455566302},{"text":"What age, realistically, would you like me to keep as a goal for you to work on?","start":553.605,"end":557.46497,"sentiment":"neutral","sentiment_score":0.029970827128957298}],"sentiment":"neutral","sentiment_score":0.06653054637788999,"channel":0,"num_words":82,"start":532.43,"end":557.46497},{"sentences":[{"text":"Yeah.","start":559.67,"end":559.91,"sentiment":"neutral","sentiment_score":0.007986823096871376},{"text":"I'm looking at probably the sixty sixty five or something.","start":559.91,"end":564.97,"sentiment":"neutral","sentiment_score":0.011326239723712207}],"sentiment":"neutral","sentiment_score":0.011022656393999403,"channel":1,"num_words":11,"start":559.67,"end":564.97},{"sentences":[{"text":"65?","start":565.5,"end":566.45996,"sentiment":"neutral","sentiment_score":0.018141578882932663},{"text":"Yep.","start":566.45996,"end":566.77997,"sentiment":"neutral","sentiment_score":0.10204406827688216},{"text":"Beautiful.","start":566.77997,"end":567.27997,"sentiment":"positive","sentiment_score":0.3659250140190125},{"text":"I'll just update your goal there for you.","start":568.77997,"end":570.77997,"sentiment":"neutral","sentiment_score":0.3003851491957903},{"text":"Fantastic.","start":570.77997,"end":571.27997,"sentiment":"positive","sentiment_score":0.4421281218528747}],"sentiment":"neutral","sentiment_score":0.2776099980498354,"channel":0,"num_words":12,"start":565.5,"end":571.27997},{"sentences":[{"text":"And have you thought about what kind of income you might like to live on or draw down out of super in retirement?","start":571.82495,"end":576.88495,"sentiment":"neutral","sentiment_score":0.09123129737765892},{"text":"I think last time we caught up, you were thinking $500 per week.","start":576.945,"end":580.725,"sentiment":"neutral","sentiment_score":0.014455192794020359},{"text":"Is that still looking like your goal, or do you think you might need to live on more?","start":580.945,"end":585.125,"sentiment":"neutral","sentiment_score":0.019568549779554207}],"sentiment":"neutral","sentiment_score":0.04886057855630362,"channel":0,"num_words":54,"start":571.82495,"end":585.125},{"sentences":[{"text":"No.","start":586.06,"end":586.3,"sentiment":"neutral","sentiment_score":-0.12915533781051636},{"text":"Yeah.","start":586.3,"end":586.7,"sentiment":"neutral","sentiment_score":-0.025298316031694412},{"text":"More, I reckon.","start":586.7,"end":587.68,"sentiment":"neutral","sentiment_score":0.012303408235311506}],"sentiment":"neutral","sentiment_score":-0.02350868582725525,"channel":1,"num_words":5,"start":586.06,"end":587.68},{"sentences":[{"text":"Yeah.","start":589.76,"end":590.0,"sentiment":"neutral","sentiment_score":0.15760743618011477},{"text":"That's okay.","start":590.0,"end":590.82,"sentiment":"neutral","sentiment_score":0.31877659261226654},{"text":"Did you want me to maybe boost it up a bit more to say $6.07, or $1,000 a week for the goal just to sort of see?","start":590.96,"end":596.98,"sentiment":"neutral","sentiment_score":0.2073863755773615}],"sentiment":"neutral","sentiment_score":0.21315309206644695,"channel":0,"num_words":30,"start":589.76,"end":596.98},{"sentences":[{"text":"Yeah.","start":597.675,"end":597.915,"sentiment":"neutral","sentiment_score":0.13721726834774017},{"text":"Well, yeah.","start":597.915,"end":599.03503,"sentiment":"neutral","sentiment_score":0.1623588427901268},{"text":"From your family.","start":599.03503,"end":599.935,"sentiment":"neutral","sentiment_score":0.22356744607289633}],"sentiment":"neutral","sentiment_score":0.18877288202444711,"channel":1,"num_words":6,"start":597.675,"end":599.935},{"sentences":[{"text":"Yeah.","start":600.8,"end":601.2,"sentiment":"positive","sentiment_score":0.3854515552520752},{"text":"Perfect.","start":601.2,"end":601.7,"sentiment":"positive","sentiment_score":0.6856228113174438},{"text":"One of the big things is when we're sort of looking at the income component now, that's just sort of looking at a goal so we can kind of track things forward for you.","start":602.695,"end":610.375,"sentiment":"neutral","sentiment_score":0.309417085174252},{"text":"But when you actually get to the point where you retire, at that time, we'll look at what you need to live on, what you want to live on, how much you need to drive a sleeper, and then how we draw that out.","start":610.375,"end":620.3,"sentiment":"neutral","sentiment_score":0.1914788322015242},{"text":"So up until the point you actually retire, it is just a goal, sort of looking at, you know, how we can sort of track and predict things forward.","start":620.3,"end":627.84,"sentiment":"neutral","sentiment_score":0.21873487711980424}],"sentiment":"neutral","sentiment_score":0.24183151665904107,"channel":0,"num_words":109,"start":600.8,"end":627.84},{"sentences":[{"text":"But we'll look at your income and your income needs at retirement when we get to that point for you.","start":628.06,"end":634.385,"sentiment":"neutral","sentiment_score":0.15464780256152152},{"text":"Okay.","start":634.385,"end":634.885,"sentiment":"neutral","sentiment_score":0.11121900379657744}],"sentiment":"neutral","sentiment_score":0.1525797645250956,"channel":0,"num_words":21,"start":628.06,"end":634.885},{"sentences":[{"text":"Yep.","start":634.90497,"end":635.40497,"sentiment":"neutral","sentiment_score":0.11339300870895386},{"text":"Yep.","start":635.545,"end":636.045,"sentiment":"neutral","sentiment_score":0.19303706288337708}],"sentiment":"neutral","sentiment_score":0.15321503579616547,"channel":1,"num_words":2,"start":634.90497,"end":636.045},{"sentences":[{"text":"Excellent.","start":636.225,"end":636.725,"sentiment":"positive","sentiment_score":0.6102755069732666},{"text":"Fantastic.","start":637.345,"end":637.845,"sentiment":"positive","sentiment_score":0.5978239178657532},{"text":"Has there been any changes in your role over the last twelve months?","start":639.02496,"end":642.14496,"sentiment":"neutral","sentiment_score":0.17415918982945955},{"text":"You're still a machine operator?","start":642.14496,"end":643.58496,"sentiment":"neutral","sentiment_score":0.0825914427638054},{"text":"Have you had any promotions or changes to your job?","start":643.58496,"end":646.485,"sentiment":"neutral","sentiment_score":0.09938471913337707}],"sentiment":"neutral","sentiment_score":0.16263244325915974,"channel":0,"num_words":30,"start":636.225,"end":646.485},{"sentences":[{"text":"Yeah.","start":648.39,"end":648.89,"sentiment":"neutral","sentiment_score":0.06532461941242218},{"text":"I'm seeing your eligibility buzzer now.","start":649.03,"end":652.33,"sentiment":"neutral","sentiment_score":0.11596388990680377}],"sentiment":"neutral","sentiment_score":0.1087297084076064,"channel":1,"num_words":7,"start":648.39,"end":652.33},{"sentences":[{"text":"Nice.","start":653.25995,"end":653.75995,"sentiment":"neutral","sentiment_score":0.29046630859375},{"text":"And what does what does that mean you do on a daily basis?","start":654.45996,"end":657.27997,"sentiment":"neutral","sentiment_score":0.08944338359511815}],"sentiment":"neutral","sentiment_score":0.10380216395216328,"channel":0,"num_words":14,"start":653.25995,"end":657.27997},{"sentences":[{"text":"So yeah.","start":658.365,"end":658.52496,"sentiment":"neutral","sentiment_score":0.04318027198314667},{"text":"I'll just run the job site.","start":658.52496,"end":660.545,"sentiment":"neutral","sentiment_score":0.08099090059598286}],"sentiment":"neutral","sentiment_score":0.07153824344277382,"channel":1,"num_words":8,"start":658.365,"end":660.545},{"sentences":[{"text":"Yep.","start":662.22,"end":662.505,"sentiment":"neutral","sentiment_score":0.1295529454946518},{"text":"Beautiful.","start":664.665,"end":665.145,"sentiment":"neutral","sentiment_score":0.3149101138114929},{"text":"And it didn't come with a pay rise?","start":665.145,"end":667.005,"sentiment":"neutral","sentiment_score":-0.05690110055729747},{"text":"That's a shame.","start":667.065,"end":667.945,"sentiment":"negative","sentiment_score":-0.6381489833196005},{"text":"You're definitely worth more.","start":667.945,"end":669.325,"sentiment":"negative","sentiment_score":-0.4347860887646675}],"sentiment":"neutral","sentiment_score":-0.21554923824527683,"channel":0,"num_words":17,"start":662.22,"end":669.325},{"sentences":[{"text":"No.","start":669.72,"end":670.04,"sentiment":"neutral","sentiment_score":-0.3093332052230835},{"text":"I did get a little one that yeah.","start":670.04,"end":672.36,"sentiment":"neutral","sentiment_score":-0.2490593157708645},{"text":"I've gotta actually put in for another one now, actually.","start":672.36,"end":676.38,"sentiment":"neutral","sentiment_score":-0.21716290414333345}],"sentiment":"neutral","sentiment_score":-0.2354440406749123,"channel":1,"num_words":19,"start":669.72,"end":676.38},{"sentences":[{"text":"Absolutely.","start":677.04004,"end":677.54004,"sentiment":"neutral","sentiment_score":0.217024490237236},{"text":"Well, I think you should definitely get on that when you get back to work.","start":678.0,"end":681.06,"sentiment":"neutral","sentiment_score":0.21103222171465555},{"text":"Absolutely.","start":681.52,"end":682.02,"sentiment":"positive","sentiment_score":0.371337354183197},{"text":"Fantastic.","start":684.48004,"end":684.98004,"sentiment":"positive","sentiment_score":0.5277330279350281},{"text":"And then the other thing we do like to touch on is, obviously, your sleep is doing quite well.","start":685.60004,"end":689.36005,"sentiment":"positive","sentiment_score":0.37909728131796183}],"sentiment":"neutral","sentiment_score":0.3103899065707181,"channel":0,"num_words":37,"start":677.04004,"end":689.36005},{"sentences":[{"text":"We've touched on the return then, that sort of aspect.","start":689.36005,"end":692.225,"sentiment":"neutral","sentiment_score":0.19635819345712663},{"text":"Having a look at things now, you don't have any insurances, no life, TBD, income protection, trauma, insurance, or personal insurances like those.","start":692.625,"end":700.485,"sentiment":"neutral","sentiment_score":0.1661334303410157},{"text":"You sort of happy and comfortable not having any personal protection or personal insurances.","start":701.505,"end":705.925,"sentiment":"neutral","sentiment_score":0.2060968620436532},{"text":"Did you wanna sort of talk about what they are, how they can look after you, and what they look like?","start":705.985,"end":711.14,"sentiment":"neutral","sentiment_score":0.09273173336294435},{"text":"Or are you happy with the way things are structured?","start":711.14,"end":713.08,"sentiment":"neutral","sentiment_score":0.026100549101829528}],"sentiment":"neutral","sentiment_score":0.13946639477776793,"channel":0,"num_words":78,"start":689.36005,"end":713.08},{"sentences":[{"text":"Probably law 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event of passing, who is it that you want your super to be paid out to or your life benefit paid out to?","start":734.49005,"end":743.95,"sentiment":"neutral","sentiment_score":0.023461851545355537}],"sentiment":"neutral","sentiment_score":0.029676417989487,"channel":0,"num_words":88,"start":717.62,"end":743.95},{"sentences":[{"text":"Receiving.","start":744.04504,"end":744.54504,"sentiment":"neutral","sentiment_score":0.00002263424357806798}],"sentiment":"neutral","sentiment_score":0.00002263424357806798,"channel":1,"num_words":1,"start":744.04504,"end":744.54504},{"sentences":[{"text":"Your siblings?","start":746.41003,"end":747.23004,"sentiment":"neutral","sentiment_score":-0.0021979003213346004}],"sentiment":"neutral","sentiment_score":-0.0021979003213346004,"channel":0,"num_words":2,"start":746.41003,"end":747.23004},{"sentences":[{"text":"Yep.","start":747.80505,"end":748.30505,"sentiment":"neutral","sentiment_score":0.03968638926744461}],"sentiment":"neutral","sentiment_score":0.03968638926744461,"channel":1,"num_words":1,"start":747.80505,"end":748.30505},{"sentences":[{"text":"Yep.","start":748.80505,"end":749.205,"sentiment":"neutral","sentiment_score":0.0786890983581543},{"text":"That's okay.","start":749.205,"end":749.92505,"sentiment":"neutral","sentiment_score":0.23816685378551483},{"text":"I'm just double checking to see what I have on record here for you under the beneficiaries.","start":749.92505,"end":754.825,"sentiment":"neutral","sentiment_score":0.09957280492081362},{"text":"So I've got here your beneficiary nomination, 33 to be paid out to Courtney, 34 to Jake, and 33 to Jai.","start":760.37,"end":769.25,"sentiment":"neutral","sentiment_score":0.07554843489612852},{"text":"Is that correct?","start":769.25,"end":770.15,"sentiment":"neutral","sentiment_score":0.07448906948169072}],"sentiment":"neutral","sentiment_score":0.09222147342833606,"channel":0,"num_words":44,"start":748.80505,"end":770.15},{"sentences":[{"text":"Yep.","start":770.815,"end":771.315,"sentiment":"neutral","sentiment_score":0.04064157605171203}],"sentiment":"neutral","sentiment_score":0.04064157605171203,"channel":1,"num_words":1,"start":770.815,"end":771.315},{"sentences":[{"text":"I have them noted as children.","start":771.73,"end":773.355,"sentiment":"neutral","sentiment_score":0.029302203717331093},{"text":"Is that accurate?","start":773.355,"end":774.255,"sentiment":"neutral","sentiment_score":0.04564627135793368}],"sentiment":"neutral","sentiment_score":0.03475022626419862,"channel":0,"num_words":9,"start":771.73,"end":774.255},{"sentences":[{"text":"Yes.","start":775.135,"end":775.38,"sentiment":"neutral","sentiment_score":0.11913709342479706}],"sentiment":"neutral","sentiment_score":0.11913709342479706,"channel":1,"num_words":1,"start":775.135,"end":775.38},{"sentences":[{"text":"Yep.","start":776.155,"end":776.655,"sentiment":"neutral","sentiment_score":0.19887153804302216},{"text":"Beautiful.","start":776.715,"end":777.215,"sentiment":"positive","sentiment_score":0.5833812952041626},{"text":"So having the all it's paid out to your three children is the way you would like that to be paid.","start":777.275,"end":782.015,"sentiment":"positive","sentiment_score":0.4017918109893799}],"sentiment":"positive","sentiment_score":0.40086438539235486,"channel":0,"num_words":23,"start":776.155,"end":782.015},{"sentences":[{"text":"Yep.","start":782.58,"end":783.08,"sentiment":"neutral","sentiment_score":0.16805878281593323}],"sentiment":"neutral","sentiment_score":0.16805878281593323,"channel":1,"num_words":1,"start":782.58,"end":783.08},{"sentences":[{"text":"Yep.","start":783.515,"end":783.915,"sentiment":"neutral","sentiment_score":0.26046204566955566},{"text":"Beautiful.","start":783.915,"end":784.415,"sentiment":"positive","sentiment_score":0.550931453704834},{"text":"So having you think about the life cover, sort of looking at the way it's structured at the moment not having any additional life benefit if you were to pass away today, your super benefit is what's paid out to them.","start":786.19,"end":797.33,"sentiment":"neutral","sentiment_score":0.11894610151648521},{"text":"That's based on the balance of a $185,390.41 there.","start":797.685,"end":802.905,"sentiment":"neutral","sentiment_score":0.11418288118309444},{"text":"I can see here, looking at things, you don't have any debt.","start":803.84503,"end":806.485,"sentiment":"neutral","sentiment_score":0.055779644598563514}],"sentiment":"neutral","sentiment_score":0.1153935207403265,"channel":0,"num_words":64,"start":783.515,"end":806.485},{"sentences":[{"text":"Is that right?","start":806.485,"end":807.045,"sentiment":"neutral","sentiment_score":0.03646528720855713},{"text":"Do you have a mortgage or any additional debts that would have to be paid out from that money?","start":807.045,"end":811.305,"sentiment":"neutral","sentiment_score":-0.036215721874644884}],"sentiment":"neutral","sentiment_score":-0.026304675181480972,"channel":0,"num_words":22,"start":806.485,"end":811.305},{"sentences":[{"text":"No.","start":811.91003,"end":812.41003,"sentiment":"neutral","sentiment_score":-0.17192991077899933}],"sentiment":"neutral","sentiment_score":-0.17192991077899933,"channel":1,"num_words":1,"start":811.91003,"end":812.41003},{"sentences":[{"text":"No.","start":813.14996,"end":813.31,"sentiment":"neutral","sentiment_score":-0.17465129494667053},{"text":"That's okay.","start":813.31,"end":814.20996,"sentiment":"neutral","sentiment_score":-0.09678709879517555},{"text":"Do you feel like that that $1.85 is enough that you would have paid out to your three children, or did you wanna look at getting a bit of life covered a supplement if you would have passed away?","start":814.50995,"end":823.38995,"sentiment":"neutral","sentiment_score":-0.07440661896879856},{"text":"Or how do you feel?","start":823.38995,"end":824.415,"sentiment":"neutral","sentiment_score":-0.03505205884575844}],"sentiment":"neutral","sentiment_score":-0.07330518992657357,"channel":0,"num_words":47,"start":813.14996,"end":824.415},{"sentences":[{"text":"Yeah.","start":825.315,"end":825.635,"sentiment":"neutral","sentiment_score":0.03151889145374298},{"text":"I'll I'll do yeah.","start":825.635,"end":826.67505,"sentiment":"neutral","sentiment_score":-0.009531368035823107},{"text":"I was hoping I want some large cover.","start":826.67505,"end":828.855,"sentiment":"neutral","sentiment_score":-0.04417392937466502}],"sentiment":"neutral","sentiment_score":-0.027692155052836124,"channel":1,"num_words":13,"start":825.315,"end":828.855},{"sentences":[{"text":"Yep.","start":829.375,"end":829.855,"sentiment":"neutral","sentiment_score":0.10948823392391203},{"text":"That's okay.","start":829.855,"end":830.675,"sentiment":"neutral","sentiment_score":0.16288049519062042},{"text":"Is there a set amount of life cover you would like to have for yourself, or is it just enough to meet a certain goal?","start":830.89496,"end":838.85,"sentiment":"neutral","sentiment_score":0.09687381207942963}],"sentiment":"neutral","sentiment_score":0.10203909022467476,"channel":0,"num_words":28,"start":829.375,"end":838.85},{"sentences":[{"text":"I'm not sure what it costs or anything or how much.","start":840.45,"end":845.19,"sentiment":"neutral","sentiment_score":-0.19010266797109085}],"sentiment":"neutral","sentiment_score":-0.19010266797109085,"channel":1,"num_words":11,"start":840.45,"end":845.19},{"sentences":[{"text":"Yeah.","start":845.71,"end":846.02997,"sentiment":"neutral","sentiment_score":0.04337126761674881},{"text":"That's okay.","start":846.02997,"end":846.75,"sentiment":"neutral","sentiment_score":0.04542176378890873},{"text":"So how it would sorta work is you would sorta give me a goal, and I go back and work out and look at all the different insurers to work out what kind of life cover would be available.","start":846.75,"end":855.625,"sentiment":"neutral","sentiment_score":0.10356599436356471},{"text":"I would need to also make sure my team can do a pre assessment with you.","start":856.245,"end":859.84503,"sentiment":"neutral","sentiment_score":0.08747181785292923},{"text":"So when I'm looking at providing advice around insurances, we wanna understand your health in detail so we know when we go out to the market what kind of insurance contract would be offered for you, how it looks, what the cost of it might be.","start":859.84503,"end":874.01,"sentiment":"neutral","sentiment_score":0.07015676893617796}],"sentiment":"neutral","sentiment_score":0.08461585607773696,"channel":0,"num_words":104,"start":845.71,"end":874.01},{"sentences":[{"text":"There's a few things that we definitely look at as part of the research there.","start":874.01,"end":877.55,"sentiment":"neutral","sentiment_score":0.12205925136804581},{"text":"Did you want me to go out and do all do that research for you and maybe update the advice to reflect to getting a life policy and what that might look for yourself and your super?","start":878.255,"end":887.47504,"sentiment":"neutral","sentiment_score":0.11397273073325286}],"sentiment":"neutral","sentiment_score":0.1163053809163662,"channel":0,"num_words":52,"start":874.01,"end":887.47504},{"sentences":[{"text":"Yes.","start":888.255,"end":888.73505,"sentiment":"neutral","sentiment_score":0.14780816435813904},{"text":"Yep.","start":888.73505,"end":889.23505,"sentiment":"neutral","sentiment_score":0.15932926535606384}],"sentiment":"neutral","sentiment_score":0.15356871485710144,"channel":1,"num_words":2,"start":888.255,"end":889.23505},{"sentences":[{"text":"Yep.","start":889.375,"end":889.855,"sentiment":"neutral","sentiment_score":0.2884373664855957},{"text":"Beautiful.","start":889.855,"end":890.355,"sentiment":"positive","sentiment_score":0.6112356781959534},{"text":"After the call, I'll get you booked in with one of my lovely team to do a bit of a pre assessment, and then I can go out to the market and have a look at what's on offer.","start":891.1,"end":897.92,"sentiment":"neutral","sentiment_score":0.30068049713587147},{"text":"We'll come back with the advice, show you what we're recommending, and then it's up to you to decide whether you're happy to take those recommendations or not.","start":897.98,"end":904.78,"sentiment":"neutral","sentiment_score":0.23273049906960555},{"text":"Does that sound okay, Carrie?","start":904.78,"end":906.16,"sentiment":"neutral","sentiment_score":0.2124467372894287}],"sentiment":"neutral","sentiment_score":0.27303919045103564,"channel":0,"num_words":74,"start":889.375,"end":906.16},{"sentences":[{"text":"Yep.","start":906.66003,"end":907.125,"sentiment":"neutral","sentiment_score":0.11670249700546265}],"sentiment":"neutral","sentiment_score":0.11670249700546265,"channel":1,"num_words":1,"start":906.66003,"end":907.125},{"sentences":[{"text":"Yeah.","start":907.585,"end":907.905,"sentiment":"neutral","sentiment_score":0.2258520871400833},{"text":"Beautiful.","start":907.905,"end":908.405,"sentiment":"positive","sentiment_score":0.42204219102859497},{"text":"So we're looking at life cover.","start":909.185,"end":910.945,"sentiment":"neutral","sentiment_score":0.15729608635107675},{"text":"Now do you think that maybe just the base level of life cover, a 100,200 thousand, $2.50, 500,000, what sort of benefit do you think you'd like to be covered for?","start":910.945,"end":923.29,"sentiment":"neutral","sentiment_score":0.06232587019762685}],"sentiment":"neutral","sentiment_score":0.0903531480102967,"channel":0,"num_words":39,"start":907.585,"end":923.29},{"sentences":[{"text":"Yeah.","start":923.12,"end":923.52,"sentiment":"neutral","sentiment_score":0.027946121990680695},{"text":"Then then the 300.","start":923.52,"end":925.22003,"sentiment":"neutral","sentiment_score":0.015033988980576396}],"sentiment":"neutral","sentiment_score":0.017616415582597255,"channel":1,"num_words":5,"start":923.12,"end":925.22003},{"sentences":[{"text":"About 300,000?","start":926.23,"end":927.61,"sentiment":"neutral","sentiment_score":0.02371680922806263}],"sentiment":"neutral","sentiment_score":0.02371680922806263,"channel":0,"num_words":2,"start":926.23,"end":927.61},{"sentences":[{"text":"Good.","start":928.08,"end":928.58,"sentiment":"positive","sentiment_score":0.3425157070159912}],"sentiment":"positive","sentiment_score":0.3425157070159912,"channel":1,"num_words":1,"start":928.08,"end":928.58},{"sentences":[{"text":"Yep.","start":929.11,"end":929.43,"sentiment":"neutral","sentiment_score":0.30476677417755127},{"text":"Beautiful.","start":929.43,"end":929.93,"sentiment":"positive","sentiment_score":0.5287204384803772},{"text":"So 300,000 then having your super paid out to your beneficiaries on top of that.","start":929.99,"end":935.155,"sentiment":"neutral","sentiment_score":0.2768267105023066},{"text":"So it's essentially giving you about 485,000 of cover.","start":935.155,"end":939.875,"sentiment":"neutral","sentiment_score":0.26003753807809615},{"text":"Does that sound appropriate?","start":939.875,"end":941.255,"sentiment":"neutral","sentiment_score":0.20715897157788277}],"sentiment":"neutral","sentiment_score":0.27182871997356417,"channel":0,"num_words":30,"start":929.11,"end":941.255},{"sentences":[{"text":"Are you fairly comfortable with that?","start":941.315,"end":943.09503,"sentiment":"neutral","sentiment_score":0.11600153148174286}],"sentiment":"neutral","sentiment_score":0.11600153148174286,"channel":0,"num_words":6,"start":941.315,"end":943.09503},{"sentences":[{"text":"Yep.","start":943.675,"end":944.175,"sentiment":"neutral","sentiment_score":0.10182751715183258}],"sentiment":"neutral","sentiment_score":0.10182751715183258,"channel":1,"num_words":1,"start":943.675,"end":944.175},{"sentences":[{"text":"Yep.","start":944.59503,"end":944.995,"sentiment":"neutral","sentiment_score":0.15792366862297058},{"text":"Beautiful.","start":944.995,"end":945.495,"sentiment":"positive","sentiment_score":0.4236096441745758},{"text":"There are other types of personal insurances like total permanent disability coverage, pays out a lump sum or an income stream if you're unable to ever go back to work again, income protection and trauma.","start":946.23,"end":956.87,"sentiment":"neutral","sentiment_score":0.0667687893978187},{"text":"Did you wanna look at any of those, or you're just happy to have a bit of life cover?","start":956.87,"end":960.615,"sentiment":"neutral","sentiment_score":0.19318974567087074}],"sentiment":"neutral","sentiment_score":0.11766153766906687,"channel":0,"num_words":56,"start":944.59503,"end":960.615},{"sentences":[{"text":"It's titled permanent disability or yeah.","start":961.91,"end":964.815,"sentiment":"neutral","sentiment_score":0.01574985170736909}],"sentiment":"neutral","sentiment_score":0.01574985170736909,"channel":1,"num_words":6,"start":961.91,"end":964.815},{"sentences":[{"text":"Yeah.","start":965.735,"end":966.055,"sentiment":"neutral","sentiment_score":0.04113005846738815},{"text":"Yeah.","start":966.055,"end":966.375,"sentiment":"neutral","sentiment_score":0.001466879853978753},{"text":"Did you sort of want the same level of TBD as life, or is there a set goal or a set 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okay.","start":979.94,"end":980.66003,"sentiment":"neutral","sentiment_score":0.08217440359294415},{"text":"If we think about what TBD covers you for and what it is, it essentially pays out a benefit if you're never able to go back to work again.","start":980.66003,"end":988.305,"sentiment":"neutral","sentiment_score":0.07252869491690192},{"text":"So if you think about the types of things that could go wrong in your job, things that could stop you from ever going back to work again, essentially, you would need to maybe I mean, you don't have any debts to pay out.","start":988.305,"end":1000.16504,"sentiment":"neutral","sentiment_score":-0.01444600090723146},{"text":"But are you renting where you're located?","start":1000.22504,"end":1002.085,"sentiment":"neutral","sentiment_score":0.010155947745910712},{"text":"Do you have rental costs on a weekly or fortnightly 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the","start":1063.86,"end":1064.5,"sentiment":"neutral","sentiment_score":-0.03990835975855589}],"sentiment":"neutral","sentiment_score":0.02429062713469778,"channel":0,"num_words":7,"start":1062.1799,"end":1064.5},{"sentences":[{"text":"No.","start":1064.49,"end":1064.99,"sentiment":"neutral","sentiment_score":-0.09655694663524628}],"sentiment":"neutral","sentiment_score":-0.09655694663524628,"channel":1,"num_words":1,"start":1064.49,"end":1064.99},{"sentences":[{"text":"questions you've probably never thought about answering before.","start":1064.5,"end":1067.1599,"sentiment":"neutral","sentiment_score":-0.1140896724537015},{"text":"That's all good.","start":1069.78,"end":1070.58,"sentiment":"neutral","sentiment_score":0.19624816377957663},{"text":"And so we're just looking at life and TPD.","start":1070.58,"end":1072.6599,"sentiment":"neutral","sentiment_score":0.0589783750474453},{"text":"You don't wanna look at any other types of insurances.","start":1072.6599,"end":1074.82,"sentiment":"neutral","sentiment_score":-0.13712206929922105},{"text":"You're fairly comfortable with everything else?","start":1074.82,"end":1076.865,"sentiment":"neutral","sentiment_score":-0.028504598885774612}],"sentiment":"neutral","sentiment_score":-0.03709488331029812,"channel":0,"num_words":36,"start":1064.5,"end":1076.865},{"sentences":[{"text":"I'm more than a bit of a real 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classic?","start":1147.155,"end":1148.43,"sentiment":"neutral","sentiment_score":-0.014521571497122446}],"sentiment":"neutral","sentiment_score":0.011085958530505499,"channel":0,"num_words":15,"start":1144.275,"end":1148.43},{"sentences":[{"text":"Yep.","start":1148.9349,"end":1149.4349,"sentiment":"neutral","sentiment_score":0.015134111046791077},{"text":"Yep.","start":1149.655,"end":1150.155,"sentiment":"neutral","sentiment_score":0.020731911063194275}],"sentiment":"neutral","sentiment_score":0.017933011054992676,"channel":1,"num_words":2,"start":1148.9349,"end":1150.155},{"sentences":[{"text":"Yep.","start":1150.17,"end":1150.67,"sentiment":"neutral","sentiment_score":0.05048089846968651},{"text":"Beautiful.","start":1150.97,"end":1151.47,"sentiment":"neutral","sentiment_score":0.19035224616527557},{"text":"I've also got here another another car asset value of 90,000.","start":1151.93,"end":1156.67,"sentiment":"neutral","sentiment_score":0.041532663120464844},{"text":"Which of your vehicles would have been valued about that?","start":1156.73,"end":1159.47,"sentiment":"neutral","sentiment_score":0.011276427656412125}],"sentiment":"neutral","sentiment_score":0.035237248501052025,"channel":0,"num_words":23,"start":1150.17,"end":1159.47},{"sentences":[{"text":"It's another old home.","start":1159.8401,"end":1161.28,"sentiment":"neutral","sentiment_score":-0.0082242910284549},{"text":"It's a '73 model HQ.","start":1161.28,"end":1164.18,"sentiment":"neutral","sentiment_score":0.02219703821465373}],"sentiment":"neutral","sentiment_score":0.008676447439938784,"channel":1,"num_words":9,"start":1159.8401,"end":1164.18},{"sentences":[{"text":"Beautiful.","start":1165.635,"end":1166.135,"sentiment":"neutral","sentiment_score":0.261732280254364},{"text":"Definitely a Holden man, I 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just an ex of kin there.","start":1344.2999,"end":1345.74,"sentiment":"neutral","sentiment_score":-0.016221741480486735},{"text":"So if we are unable to get a hold of you, we can call Lisa","start":1345.74,"end":1348.86,"sentiment":"neutral","sentiment_score":0.006011068324247996}],"sentiment":"neutral","sentiment_score":0.007245730608701706,"channel":0,"num_words":25,"start":1340.165,"end":1348.86},{"sentences":[{"text":"Yep.","start":1348.74,"end":1349.24,"sentiment":"neutral","sentiment_score":0.03318321332335472}],"sentiment":"neutral","sentiment_score":0.03318321332335472,"channel":1,"num_words":1,"start":1348.74,"end":1349.24},{"sentences":[{"text":"just to check to see if everything's okay and how we contact you.","start":1348.86,"end":1352.46,"sentiment":"neutral","sentiment_score":0.05100099541820013},{"text":"But it's no personal information can be given to make it easier for you.","start":1352.46,"end":1357.0199,"sentiment":"neutral","sentiment_score":-0.05807064101099968},{"text":"Okay?","start":1357.0199,"end":1357.5199,"sentiment":"neutral","sentiment_score":-0.002817070111632347}],"sentiment":"neutral","sentiment_score":-0.0054568965653223655,"channel":0,"num_words":28,"start":1348.86,"end":1357.5199},{"sentences":[{"text":"Yep.","start":1357.46,"end":1357.96,"sentiment":"neutral","sentiment_score":0.028536144644021988},{"text":"Yep.","start":1358.34,"end":1358.84,"sentiment":"neutral","sentiment_score":0.05761263892054558}],"sentiment":"neutral","sentiment_score":0.04307439178228378,"channel":1,"num_words":2,"start":1357.46,"end":1358.84},{"sentences":[{"text":"Excellent.","start":1358.7799,"end":1359.2799,"sentiment":"neutral","sentiment_score":0.24890780448913577},{"text":"Now your three children down here as your beneficiaries, are they all over 18?","start":1360.1151,"end":1364.6951,"sentiment":"neutral","sentiment_score":0.08682502965841975}],"sentiment":"neutral","sentiment_score":0.09763054798046748,"channel":0,"num_words":15,"start":1358.7799,"end":1364.6951},{"sentences":[{"text":"Yes.","start":1365.775,"end":1366.275,"sentiment":"neutral","sentiment_score":0.05546756833791733}],"sentiment":"neutral","sentiment_score":0.05546756833791733,"channel":1,"num_words":1,"start":1365.775,"end":1366.275},{"sentences":[{"text":"Yep.","start":1366.755,"end":1367.0751,"sentiment":"neutral","sentiment_score":0.03974133729934693},{"text":"So not tax dependents.","start":1367.0751,"end":1368.375,"sentiment":"neutral","sentiment_score":0.029311233200132847},{"text":"Beautiful.","start":1368.435,"end":1368.935,"sentiment":"positive","sentiment_score":0.4102458357810974},{"text":"Beautiful.","start":1370.915,"end":1371.415,"sentiment":"positive","sentiment_score":0.4999177157878876},{"text":"Thank you for updating that for me.","start":1371.9551,"end":1374.055,"sentiment":"positive","sentiment_score":0.5660497306713036}],"sentiment":"positive","sentiment_score":0.35924985259771347,"channel":0,"num_words":14,"start":1366.755,"end":1374.055},{"sentences":[{"text":"And the other thing to sort of have a look at is the estate planning side of things.","start":1375.11,"end":1378.87,"sentiment":"neutral","sentiment_score":0.05622679553925991},{"text":"So I can see here last time we sort of checked in, you didn't have a will power of attorney set up.","start":1378.87,"end":1383.51,"sentiment":"neutral","sentiment_score":0.02818283900110559},{"text":"Is that something yourself and Lisa have talked about the past doing?","start":1383.51,"end":1386.705,"sentiment":"neutral","sentiment_score":0.017797252163290977}],"sentiment":"neutral","sentiment_score":0.03549368853250948,"channel":0,"num_words":52,"start":1375.11,"end":1386.705},{"sentences":[{"text":"Not not yet.","start":1387.7201,"end":1388.86,"sentiment":"neutral","sentiment_score":-0.10227655867735545}],"sentiment":"neutral","sentiment_score":-0.10227655867735545,"channel":1,"num_words":3,"start":1387.7201,"end":1388.86},{"sentences":[{"text":"No.","start":1389.745,"end":1390.065,"sentiment":"neutral","sentiment_score":-0.08045607805252075},{"text":"That's okay.","start":1390.065,"end":1391.0449,"sentiment":"neutral","sentiment_score":0.09694780968129635},{"text":"It is something as well worth looking at.","start":1391.265,"end":1393.5249,"sentiment":"neutral","sentiment_score":0.29983899369835854},{"text":"We obviously have your beneficiaries on file for your super, which means in the event of you passing your super, it can be directed out to, you know, where you wanted to go, your three kids as per your record as per what your wishes are.","start":1393.585,"end":1405.77,"sentiment":"neutral","sentiment_score":0.2299980929364329},{"text":"But everything else that you've got outside of super so think about your cars, your collectible cars.","start":1406.15,"end":1411.1901,"sentiment":"neutral","sentiment_score":0.07217526413938578}],"sentiment":"neutral","sentiment_score":0.19350058454516772,"channel":0,"num_words":74,"start":1389.745,"end":1411.1901},{"sentences":[{"text":"You've also got your savings accounts and all your your, you know, things there.","start":1411.1901,"end":1416.455,"sentiment":"neutral","sentiment_score":0.0718640573322773},{"text":"All of that would have to be essentially collected, sold up, passed on to beneficiaries without having a willing pay in place you do.","start":1416.455,"end":1423.835,"sentiment":"neutral","sentiment_score":0.039120510686188936},{"text":"Possibly in test date, which means that everything kinda goes to has to go through a probate process.","start":1424.0549,"end":1428.455,"sentiment":"neutral","sentiment_score":-0.009443177634643184},{"text":"It goes through a legal process so people can come forward and stake a claim on your assets.","start":1428.455,"end":1432.62,"sentiment":"neutral","sentiment_score":0.07612630807691151},{"text":"No guarantees that they're gonna get anything, but they can stake a claim there.","start":1433.0,"end":1436.4401,"sentiment":"neutral","sentiment_score":0.008086723142436572}],"sentiment":"neutral","sentiment_score":0.03702840376221998,"channel":0,"num_words":88,"start":1411.1901,"end":1436.4401},{"sentences":[{"text":"So it is definitely worth having a will and a power of attorney done up by a solicitor to make sure that everything is handed to where you want it to go, especially you've got those two very nice collectible cars there, which will hopefully just build in value as as time goes on.","start":1436.4401,"end":1452.3151,"sentiment":"positive","sentiment_score":0.4576602241507283},{"text":"So it is definitely","start":1452.615,"end":1453.495,"sentiment":"neutral","sentiment_score":0.2743975296616554}],"sentiment":"positive","sentiment_score":0.4450214176342405,"channel":0,"num_words":58,"start":1436.4401,"end":1453.495},{"sentences":[{"text":"Yes.","start":1453.1649,"end":1453.6649,"sentiment":"neutral","sentiment_score":0.28212958574295044}],"sentiment":"neutral","sentiment_score":0.28212958574295044,"channel":1,"num_words":1,"start":1453.1649,"end":1453.6649},{"sentences":[{"text":"worth having a think about and doing out.","start":1453.495,"end":1455.495,"sentiment":"neutral","sentiment_score":0.2597725372761488},{"text":"Okay?","start":1455.495,"end":1455.995,"sentiment":"neutral","sentiment_score":0.1848060041666031}],"sentiment":"neutral","sentiment_score":0.25144292248619926,"channel":0,"num_words":9,"start":1453.495,"end":1455.995},{"sentences":[{"text":"Yes.","start":1455.965,"end":1456.465,"sentiment":"positive","sentiment_score":0.39943036437034607}],"sentiment":"positive","sentiment_score":0.39943036437034607,"channel":1,"num_words":1,"start":1455.965,"end":1456.465},{"sentences":[{"text":"Excellent.","start":1457.335,"end":1457.835,"sentiment":"positive","sentiment_score":0.6283038854598999},{"text":"Now in the documents that I have sent through to, you've got a copy of your super rundown, which has your super balance there as I went through before.","start":1458.55,"end":1467.1901,"sentiment":"neutral","sentiment_score":0.25187309805689184},{"text":"It's also got a copy of your performance report there.","start":1467.1901,"end":1470.01,"sentiment":"neutral","sentiment_score":0.21058970391750337},{"text":"It does also have in there our financial services guide, which outlines everything about who we are, what we do, and how we do it.","start":1470.31,"end":1476.975,"sentiment":"neutral","sentiment_score":0.2393827337026596},{"text":"And then it does also have your ongoing service agreement there as well.","start":1476.975,"end":1480.335,"sentiment":"neutral","sentiment_score":0.22295676515652582}],"sentiment":"neutral","sentiment_score":0.2425836802293093,"channel":0,"num_words":78,"start":1457.335,"end":1480.335},{"sentences":[{"text":"So you are an ongoing client.","start":1480.335,"end":1481.855,"sentiment":"neutral","sentiment_score":0.2484040011962255},{"text":"You do pay an ongoing service fee of 1.65% for us looking after your super, providing ongoing support and advice there as well, and helping you work towards your goals.","start":1481.855,"end":1492.21,"sentiment":"positive","sentiment_score":0.41293842146794},{"text":"That doesn't stop when you hit retirement.","start":1492.59,"end":1494.37,"sentiment":"neutral","sentiment_score":0.1948286752615656},{"text":"We'll then provide additional advice on how to draw down your income, how to make it last, and make sure you are in the correct risk profiling side of things as well.","start":1494.4299,"end":1501.7899,"sentiment":"neutral","sentiment_score":0.09280908107757568},{"text":"So with this ongoing service fee, it's still 1.65% for the year.","start":1501.7899,"end":1507.075,"sentiment":"neutral","sentiment_score":0.118520046894749}],"sentiment":"neutral","sentiment_score":0.22568400615248188,"channel":0,"num_words":87,"start":1480.335,"end":1507.075},{"sentences":[{"text":"It's just that we've updated things.","start":1507.075,"end":1508.6749,"sentiment":"neutral","sentiment_score":0.11499187722802162},{"text":"So once your balance is over 200,000, you'll drop down into a tiered structure.","start":1508.6749,"end":1513.415,"sentiment":"neutral","sentiment_score":0.11479906737804413},{"text":"And we've outlined it as more of a set dollar figure fee.","start":1513.875,"end":1516.6749,"sentiment":"neutral","sentiment_score":0.10418340936303139},{"text":"So it doesn't essentially works at how much you're going to pay for the year, and you don't pay more than that.","start":1516.6749,"end":1521.89,"sentiment":"neutral","sentiment_score":0.10721139694479379},{"text":"But it's still just 1.65% as it has been for yourself for this year.","start":1522.43,"end":1526.5901,"sentiment":"neutral","sentiment_score":0.2522132471203804}],"sentiment":"neutral","sentiment_score":0.13877904869835167,"channel":0,"num_words":68,"start":1507.075,"end":1526.5901},{"sentences":[{"text":"Okay?","start":1526.5901,"end":1527.0901,"sentiment":"neutral","sentiment_score":0.05033423751592636},{"text":"Do you have any questions","start":1527.15,"end":1528.27,"sentiment":"neutral","sentiment_score":0.03211118392646313}],"sentiment":"neutral","sentiment_score":0.035148359524707,"channel":0,"num_words":6,"start":1526.5901,"end":1528.27},{"sentences":[{"text":"Yep.","start":1527.9099,"end":1528.4099,"sentiment":"neutral","sentiment_score":0.038719385862350464}],"sentiment":"neutral","sentiment_score":0.038719385862350464,"channel":1,"num_words":1,"start":1527.9099,"end":1528.4099},{"sentences":[{"text":"about how the ongoing service fee works?","start":1528.27,"end":1530.5901,"sentiment":"neutral","sentiment_score":0.021619153075984547},{"text":"Or","start":1530.5901,"end":1531.0901,"sentiment":"neutral","sentiment_score":0.0013271942734718325}],"sentiment":"neutral","sentiment_score":0.019082658225670457,"channel":0,"num_words":8,"start":1528.27,"end":1531.0901},{"sentences":[{"text":"No.","start":1531.9099,"end":1532.23,"sentiment":"neutral","sentiment_score":-0.03146733343601227},{"text":"That's fine.","start":1532.23,"end":1533.185,"sentiment":"neutral","sentiment_score":0.03493400290608406}],"sentiment":"neutral","sentiment_score":0.012800224125385284,"channel":1,"num_words":3,"start":1531.9099,"end":1533.185},{"sentences":[{"text":"same as it has been the last few years, maybe easier.","start":1533.4651,"end":1536.4451,"sentiment":"neutral","sentiment_score":0.11408733237873424},{"text":"Fantastic.","start":1537.785,"end":1538.285,"sentiment":"positive","sentiment_score":0.7417774796485901}],"sentiment":"neutral","sentiment_score":0.16639484465122223,"channel":0,"num_words":12,"start":1533.4651,"end":1538.285},{"sentences":[{"text":"Yep.","start":1538.7976,"end":1539.2976,"sentiment":"positive","sentiment_score":0.4214695394039154}],"sentiment":"positive","sentiment_score":0.4214695394039154,"channel":1,"num_words":1,"start":1538.7976,"end":1539.2976},{"sentences":[{"text":"When you get some time, if you can run your eyes over those annual review documents for me just to kind of sign and return those back.","start":1539.145,"end":1545.385,"sentiment":"neutral","sentiment_score":0.3091278125842412},{"text":"If you do find you have any questions, you're welcome to let me know.","start":1545.385,"end":1548.43,"sentiment":"neutral","sentiment_score":0.260430317904268},{"text":"The last thing I wanted to sort of look at was your risk profiling just to sort of make sure you are invested correctly.","start":1548.81,"end":1554.27,"sentiment":"neutral","sentiment_score":0.022626126107449334},{"text":"Now one of the things that Kyle would have spoke to you about last year was you invested in more of a growth asset a growth environment.","start":1554.73,"end":1563.005,"sentiment":"neutral","sentiment_score":0.02650343481865194},{"text":"So it generally sees about 80% of your super invested in growth assets.","start":1563.305,"end":1567.305,"sentiment":"neutral","sentiment_score":0.041501421481370926}],"sentiment":"neutral","sentiment_score":0.1313391774892807,"channel":0,"num_words":105,"start":1539.145,"end":1567.305},{"sentences":[{"text":"So you're thinking things like Australian shares, international shares, listed property, and commodities like gold and silver.","start":1567.305,"end":1574.265,"sentiment":"neutral","sentiment_score":0.030079699943170828},{"text":"So precious metals there.","start":1574.265,"end":1575.805,"sentiment":"neutral","sentiment_score":0.016700319945812225},{"text":"That sort of environment is suited to someone who has about six years before accessing their super there.","start":1576.29,"end":1581.5901,"sentiment":"neutral","sentiment_score":0.018754932408531506},{"text":"They are realistically, this kind of environment, you're sort of looking to obtain about a seven to 9% on a regular basis.","start":1582.05,"end":1589.4901,"sentiment":"neutral","sentiment_score":0.026954565705223518},{"text":"Anything over 9% seen as a very good year.","start":1589.4901,"end":1592.625,"sentiment":"neutral","sentiment_score":-0.0074187107384204865}],"sentiment":"neutral","sentiment_score":0.020599671586283615,"channel":0,"num_words":70,"start":1567.305,"end":1592.625},{"sentences":[{"text":"Anything under seven is a bit of an underperformance there.","start":1592.625,"end":1595.265,"sentiment":"neutral","sentiment_score":-0.26764640063047407},{"text":"But the expectation for the ups and downs in the market is normal, and we do expect a negative year around about one in every sort of five years there.","start":1595.265,"end":1604.005,"sentiment":"neutral","sentiment_score":-0.3199073647459348},{"text":"When we sort of look at where you're at at the moment, the reason I kind of earlier went into what age you're sort of looking to access your super is that you are 57 this year.","start":1604.37,"end":1613.27,"sentiment":"neutral","sentiment_score":-0.11611343477223371},{"text":"So we wanna make sure that when you do get closer to accessing super, when the time is right, we start to reduce your risk down a little bit.","start":1613.41,"end":1620.895,"sentiment":"neutral","sentiment_score":0.2341836865605979},{"text":"If you're happy to keep working till the age 65, it does mean that you have eight years ahead of you there, so you can still be in this environment a little bit longer.","start":1621.4349,"end":1629.615,"sentiment":"neutral","sentiment_score":0.318893676295}],"sentiment":"neutral","sentiment_score":0.00759878477879933,"channel":0,"num_words":140,"start":1592.625,"end":1629.615},{"sentences":[{"text":"But I just wanted to go through a couple of questions to assess whether we should maybe start reducing the risk for you as well.","start":1630.06,"end":1636.48,"sentiment":"neutral","sentiment_score":0.15381617069244385},{"text":"Okay.","start":1636.62,"end":1637.12,"sentiment":"neutral","sentiment_score":0.06351719051599503}],"sentiment":"neutral","sentiment_score":0.15034313299334967,"channel":0,"num_words":26,"start":1630.06,"end":1637.12},{"sentences":[{"text":"Yep.","start":1638.11,"end":1638.61,"sentiment":"neutral","sentiment_score":0.05757313221693039}],"sentiment":"neutral","sentiment_score":0.05757313221693039,"channel":1,"num_words":1,"start":1638.11,"end":1638.61},{"sentences":[{"text":"The first one here is, essentially, inflation means that things are getting more expensive over time.","start":1639.1,"end":1644.315,"sentiment":"neutral","sentiment_score":-0.05016894021537155},{"text":"When you think about your super, how much risk are you comfortable taking to get the better returns knowing there's a downside to that as well?","start":1644.315,"end":1652.735,"sentiment":"neutral","sentiment_score":-0.030153477779374674},{"text":"Do you consider yourself to be very much a high risk taker?","start":1653.035,"end":1656.235,"sentiment":"neutral","sentiment_score":-0.10339681431651115},{"text":"You want the best returns you can possibly get even though you know there is the risk of a downside?","start":1656.235,"end":1661.03,"sentiment":"neutral","sentiment_score":-0.05014072842895985},{"text":"Are you considering yourself more moderate or medium in the middle to get the best returns you possibly can, or are you not comfortable taking risk in the market and you understand the returns are lower because of that?","start":1661.7301,"end":1672.905,"sentiment":"neutral","sentiment_score":-0.06035606792339912}],"sentiment":"neutral","sentiment_score":-0.054727048275217544,"channel":0,"num_words":113,"start":1639.1,"end":1672.905},{"sentences":[{"text":"Where do you see yourself bidding on that scale?","start":1672.985,"end":1675.3251,"sentiment":"neutral","sentiment_score":-0.02141545123110215}],"sentiment":"neutral","sentiment_score":-0.02141545123110215,"channel":0,"num_words":9,"start":1672.985,"end":1675.3251},{"sentences":[{"text":"In the middle.","start":1676.3251,"end":1677.145,"sentiment":"neutral","sentiment_score":-0.019788591812054317}],"sentiment":"neutral","sentiment_score":-0.019788591812054317,"channel":1,"num_words":3,"start":1676.3251,"end":1677.145},{"sentences":[{"text":"In the middle?","start":1677.7051,"end":1678.525,"sentiment":"neutral","sentiment_score":-0.009500795664886633},{"text":"Beautiful.","start":1678.5851,"end":1679.0851,"sentiment":"neutral","sentiment_score":0.21686354279518127},{"text":"The next one here is if you saw your super fall by 20% over the next, say, six to twelve months, sir, due to what was happening globally in the markets, how do you think you might be feeling?","start":1681.625,"end":1691.48,"sentiment":"neutral","sentiment_score":-0.04760781112007606},{"text":"Are you thinking it's a investment opportunity, wanna put more money into the market and take advantage of that time frame?","start":1692.0199,"end":1697.96,"sentiment":"neutral","sentiment_score":-0.0037721084164721625},{"text":"Are you a bit nervous, maybe holding and waiting, calling us and seeing what we suggest you do, or are you wanting to sell your investments to cash?","start":1698.375,"end":1705.655,"sentiment":"neutral","sentiment_score":-0.15844400067414557}],"sentiment":"neutral","sentiment_score":-0.06721728014678735,"channel":0,"num_words":92,"start":1677.7051,"end":1705.655},{"sentences":[{"text":"You're a bit nervous.","start":1705.655,"end":1706.715,"sentiment":"neutral","sentiment_score":-0.19542520865797997}],"sentiment":"neutral","sentiment_score":-0.19542520865797997,"channel":0,"num_words":4,"start":1705.655,"end":1706.715},{"sentences":[{"text":"I'll I'll just leave it up to use.","start":1708.5951,"end":1710.535,"sentiment":"neutral","sentiment_score":-0.0931420149281621}],"sentiment":"neutral","sentiment_score":-0.0931420149281621,"channel":1,"num_words":8,"start":1708.5951,"end":1710.535},{"sentences":[{"text":"Beautiful.","start":1711.735,"end":1712.235,"sentiment":"neutral","sentiment_score":0.07965895533561707},{"text":"Sorry.","start":1714.6101,"end":1715.1101,"sentiment":"neutral","sentiment_score":-0.1388494372367859},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or do you see borrowing to invest in those sorts of investments is too risky and have only ever wanted to borrow for, say, property?","start":1715.65,"end":1729.125,"sentiment":"neutral","sentiment_score":-0.181050179108065}],"sentiment":"neutral","sentiment_score":-0.17511076976855597,"channel":0,"num_words":51,"start":1711.735,"end":1729.125},{"sentences":[{"text":"No.","start":1730.395,"end":1730.895,"sentiment":"neutral","sentiment_score":-0.3072182536125183},{"text":"No.","start":1730.955,"end":1731.455,"sentiment":"neutral","sentiment_score":-0.2842307686805725},{"text":"No.","start":1732.715,"end":1732.875,"sentiment":"neutral","sentiment_score":-0.31923651695251465},{"text":"I wouldn't borrow it.","start":1732.875,"end":1734.255,"sentiment":"neutral","sentiment_score":-0.3020859584212303}],"sentiment":"neutral","sentiment_score":-0.3027184818472181,"channel":1,"num_words":7,"start":1730.395,"end":1734.255},{"sentences":[{"text":"No.","start":1734.785,"end":1735.1051,"sentiment":"neutral","sentiment_score":-0.16390947997570038},{"text":"That's okay.","start":1735.1051,"end":1735.925,"sentiment":"neutral","sentiment_score":-0.052712906152009964},{"text":"Beautiful.","start":1735.985,"end":1736.485,"sentiment":"neutral","sentiment_score":0.3055000305175781},{"text":"Excellent.","start":1738.4651,"end":1738.9651,"sentiment":"positive","sentiment_score":0.4441245496273041},{"text":"Perfect.","start":1744.17,"end":1744.65,"sentiment":"positive","sentiment_score":0.4705307185649872}],"sentiment":"neutral","sentiment_score":0.1584700010716915,"channel":0,"num_words":6,"start":1734.785,"end":1744.65},{"sentences":[{"text":"Thank you for that.","start":1744.65,"end":1745.45,"sentiment":"positive","sentiment_score":0.4139955937862396},{"text":"Sorry about that.","start":1745.45,"end":1746.43,"sentiment":"neutral","sentiment_score":-0.1472222755352656},{"text":"So where you have sort of scored at the moment, you have sort of scored in more of that moderate environment.","start":1746.57,"end":1751.63,"sentiment":"neutral","sentiment_score":-0.050079810654833204},{"text":"So it does sort of show from where you are currently invested in that 80% growth investments that we should start maybe just in that 80% growth investments that we should start maybe just dropping the risk level a little bit for you.","start":1751.69,"end":1760.435,"sentiment":"neutral","sentiment_score":0.046013012571736824},{"text":"Did you want to look at maybe reducing your risk level now, or did you wanna just hold off for six months when we do a bit of a catch up and we reassess the investments then?","start":1760.975,"end":1769.4,"sentiment":"neutral","sentiment_score":-0.004794618467221389}],"sentiment":"neutral","sentiment_score":0.018183316500788485,"channel":0,"num_words":108,"start":1744.65,"end":1769.4},{"sentences":[{"text":"How do you 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sound?","start":1990.15,"end":1991.21,"sentiment":"neutral","sentiment_score":0.1711612194776535}],"sentiment":"neutral","sentiment_score":0.1413441812992096,"channel":0,"num_words":50,"start":1977.5449,"end":1991.21},{"sentences":[{"text":"Yep.","start":1991.75,"end":1992.25,"sentiment":"neutral","sentiment_score":0.2929527759552002}],"sentiment":"neutral","sentiment_score":0.2929527759552002,"channel":1,"num_words":1,"start":1991.75,"end":1992.25},{"sentences":[{"text":"Beautiful.","start":1993.03,"end":1993.53,"sentiment":"positive","sentiment_score":0.7065762281417847},{"text":"Well, look, thank you so much for your time today, Carrie.","start":1993.67,"end":1995.91,"sentiment":"positive","sentiment_score":0.6996003768660806},{"text":"Is there anything that you maybe had question wise that I haven't touched on?","start":1995.91,"end":1999.11,"sentiment":"neutral","sentiment_score":0.12962392664381436},{"text":"Was there any additional questions that have come out of any of the reviews this","start":1999.11,"end":2002.605,"sentiment":"neutral","sentiment_score":0.022823910415172576}],"sentiment":"neutral","sentiment_score":0.25754326836365027,"channel":0,"num_words":41,"start":1993.03,"end":2002.605},{"sentences":[{"text":"No.","start":2003.745,"end":2003.985,"sentiment":"neutral","sentiment_score":-0.14892059564590454},{"text":"Everything's fine.","start":2003.985,"end":2005.045,"sentiment":"neutral","sentiment_score":0.05061635375022888}],"sentiment":"neutral","sentiment_score":-0.015895962715148926,"channel":1,"num_words":3,"start":2003.745,"end":2005.045},{"sentences":[{"text":"afternoon?","start":2005.165,"end":2005.665,"sentiment":"neutral","sentiment_score":0.08514846861362457},{"text":"Beautiful.","start":2006.0449,"end":2006.525,"sentiment":"positive","sentiment_score":0.6174924373626709},{"text":"Well, thank you so much for your time.","start":2006.525,"end":2007.965,"sentiment":"positive","sentiment_score":0.6980322748422623},{"text":"I'll talk to you in a few weeks to go through the advice recommendations.","start":2007.965,"end":2011.345,"sentiment":"positive","sentiment_score":0.4483315476349422},{"text":"And if you find you do have questions in the meantime, you're more than welcome to let me know.","start":2011.485,"end":2015.645,"sentiment":"positive","sentiment_score":0.35384080598228856}],"sentiment":"positive","sentiment_score":0.4485236298899318,"channel":0,"num_words":43,"start":2005.165,"end":2015.645},{"sentences":[{"text":"Okay?","start":2015.645,"end":2016.145,"sentiment":"neutral","sentiment_score":0.2313387244939804}],"sentiment":"neutral","sentiment_score":0.2313387244939804,"channel":0,"num_words":1,"start":2015.645,"end":2016.145},{"sentences":[{"text":"Okay then.","start":2016.593,"end":2017.4929,"sentiment":"neutral","sentiment_score":0.2451707124710083}],"sentiment":"neutral","sentiment_score":0.2451707124710083,"channel":1,"num_words":2,"start":2016.593,"end":2017.4929},{"sentences":[{"text":"Thank you for your time.","start":2017.7329,"end":2018.6929,"sentiment":"positive","sentiment_score":0.723014235496521},{"text":"Enjoy your afternoon.","start":2018.6929,"end":2019.8329,"sentiment":"positive","sentiment_score":0.6988894939422607}],"sentiment":"positive","sentiment_score":0.7139674574136734,"channel":0,"num_words":8,"start":2017.7329,"end":2019.8329},{"sentences":[{"text":"Yep.","start":2020.3529,"end":2020.673,"sentiment":"neutral","sentiment_score":0.31872525811195374},{"text":"You too.","start":2020.673,"end":2021.413,"sentiment":"neutral","sentiment_score":0.3180199861526489},{"text":"Bye.","start":2021.553,"end":2022.053,"sentiment":"neutral","sentiment_score":0.25552818179130554}],"sentiment":"neutral","sentiment_score":0.3025733530521393,"channel":1,"num_words":4,"start":2020.3529,"end":2022.053},{"sentences":[{"text":"Thank you.","start":2021.8129,"end":2022.3729,"sentiment":"positive","sentiment_score":0.595599889755249},{"text":"See you later.","start":2022.3729,"end":2023.0929,"sentiment":"positive","sentiment_score":0.47774989406267804},{"text":"Bye.","start":2023.0929,"end":2023.5929,"sentiment":"neutral","sentiment_score":-0.1233443170785904}],"sentiment":"positive","sentiment_score":0.41685085743665695,"channel":0,"num_words":6,"start":2021.8129,"end":2023.5929}]},"summary":{"result":"success","short":"During a call with a representative from MoView Financial, they discuss the customer's annual review and personal information. The customer's super balance is $185,390.41, and they suggest limiting fees to avoid unnecessary risk. The speaker emphasizes the benefits of a passively managed portfolio and retirement goals, and provides information on retirement plans and income goals for the customer. They also discuss the customer's risk profile and the possibility of reducing risk levels for them. The agent provides information on fees and risk profiles for the customer, emphasizes the importance of creating a will and power of attorney, and offers to book the customer in for a pre reassess and personalized advice recommendations."},"intents":{"segments":[{"text":"Well, just that was to give you an update on your balance there.","start_word":351,"end_word":363,"intents":[{"intent":"Update balance","confidence_score":0.24036211}]},{"text":"When I still look at how you invested with your portfolio, now my colleague, Kyle, he actually provided advice to you last year to alter your portfolio, and he's got you in more of a growth portfolio.","start_word":622,"end_word":658,"intents":[{"intent":"Review portfolio usage","confidence_score":0.000021905473}]},{"text":"But you are in more of a passively managed portfolio.","start_word":927,"end_word":936,"intents":[{"intent":"Discuss portfolio choices","confidence_score":0.010856902}]},{"text":"What I still wanted to look at moving forward was what else we can kind of do to help provide a bit of additional growth to your super and kinda keep it working harder.","start_word":1308,"end_word":1341,"intents":[{"intent":"Optimize portfolio growth","confidence_score":0.04177966}]},{"text":"Did you want me to maybe sort of catch up, let's say, in six months when we can maybe reevaluate and see if that's something you're able to do maybe early next year? Would that be a possibility?","start_word":1509,"end_word":1546,"intents":[{"intent":"Reevaluate and evaluate strategies","confidence_score":0.00013992518}]},{"text":"Under the current under the current legislation, if you decide to retire at the age of 60, which you can do, and access your super wholly, you can access it fully tax free. Are you sort of thinking you wanna retire around about that age, or are you sort of hoping to or wanting to continue working a bit longer than maybe age 65, 67?","start_word":1737,"end_word":1801,"intents":[{"intent":"Retire at 65","confidence_score":0.088290155},{"intent":"Calculate retirement age","confidence_score":0.005589491}]},{"text":"What age, realistically, would you like me to keep as a goal for you to work on? Yeah.","start_word":1802,"end_word":1819,"intents":[{"intent":"Update goals","confidence_score":0.06612351}]},{"text":"And have you thought about what kind of income you might like to live on or draw down out of super in retirement?","start_word":1842,"end_word":1864,"intents":[{"intent":"Explore income options","confidence_score":0.0054969974}]},{"text":"Did you want me to maybe boost it up a bit more to say $6.07, or $1,000 a week for the goal just to sort of see? Yeah.","start_word":1904,"end_word":1931,"intents":[{"intent":"Improve retirement planning","confidence_score":0.008905279}]},{"text":"With the way life insurance is structured, so it pays out a lump sum benefit if you were to pass away. With not having any life insurance paid out of your super at the moment, it means that your your super balance is all that would be paid out to your beneficiary. Just to double check I have everything correct, in the event of passing, who is it that you want your super to be paid out to or your life benefit paid out to? Receiving.","start_word":2285,"end_word":2370,"intents":[{"intent":"Clarify super benefit payment structure","confidence_score":0.00029676585}]},{"text":"Just to double check I have everything correct, in the event of passing, who is it that you want your super to be paid out to or your life benefit paid out to? Receiving.","start_word":2337,"end_word":2370,"intents":[{"intent":"Clarify super benefit holder's name","confidence_score":0.000003913699}]},{"text":"So I've got here your beneficiary nomination, 33 to be paid out to Courtney, 34 to Jake, and 33 to Jai. Is that correct? Yep.","start_word":2394,"end_word":2418,"intents":[{"intent":"Clarify beneficiary nomination","confidence_score":0.038766272}]},{"text":"Do you feel like that that $1.85 is enough that you would have paid out to your three children, or did you wanna look at getting a bit of life covered a supplement if you would have passed away? Or how do you feel? Yeah.","start_word":2543,"end_word":2587,"intents":[{"intent":"Confirm pay amount","confidence_score":0.000008275763},{"intent":"Clarify payment amount","confidence_score":0.012193904},{"intent":"Confirm life cover plan","confidence_score":0.00003773877},{"intent":"Determine coverage amount","confidence_score":0.016286358}]},{"text":"So how it would sorta work is you would sorta give me a goal, and I go back and work out and look at all the different insurers to work out what kind of life cover would be available.","start_word":2643,"end_word":2681,"intents":[{"intent":"Sort insurance","confidence_score":0.0834347}]},{"text":"So when I'm looking at providing advice around insurances, we wanna understand your health in detail so we know when we go out to the market what kind of insurance contract would be offered for you, how it looks, what the cost of it might be.","start_word":2697,"end_word":2742,"intents":[{"intent":"Understand health","confidence_score":0.54735017}]},{"text":"There's a few things that we definitely look at as part of the research there. Did you want me to go out and do all do that research for you and maybe update the advice to reflect to getting a life policy and what that might look for yourself and your super? Yes.","start_word":2743,"end_word":2795,"intents":[{"intent":"Provide advice","confidence_score":0.73832417},{"intent":"Provide advice","confidence_score":0.40888527}]},{"text":"After the call, I'll get you booked in with one of my lovely team to do a bit of a pre assessment, and then I can go out to the market and have a look at what's on offer. We'll come back with the advice, show you what we're recommending, and then it's up to you to decide whether you're happy to take those recommendations or not.","start_word":2799,"end_word":2865,"intents":[{"intent":"Recommend insurance coverage","confidence_score":0.0002001519}]},{"text":"Does that sound okay, Carrie? Yep. Yeah. Beautiful.","start_word":2866,"end_word":2873,"intents":[{"intent":"Confirm understanding","confidence_score":0.0142139625}]},{"text":"So we're looking at life cover. Now do you think that maybe just the base level of life cover, a 100,200 thousand, $2.50, 500,000, what sort of benefit do you think you'd like to be covered for? Yeah.","start_word":2874,"end_word":2911,"intents":[{"intent":"Determine benefit type","confidence_score":0.15470162}]},{"text":"There are other types of personal insurances like total permanent disability coverage, pays out a lump sum or an income stream if you're unable to ever go back to work again, income protection and trauma. Did you wanna look at any of those, or you're just happy to have a bit of life cover? It's titled permanent disability or yeah. Yeah. Yeah.","start_word":2958,"end_word":3019,"intents":[{"intent":"Determine disability coverage type","confidence_score":0.00005631643}]},{"text":"Did you sort of want the same level of TBD as life, or is there a set goal or a set amount you would like to be covered for? That.","start_word":3021,"end_word":3050,"intents":[{"intent":"Discuss tbd coverage","confidence_score":0.040883835},{"intent":"Provide information about tbd coverage","confidence_score":0.0025736014},{"intent":"Confirm understanding of tbd coverage","confidence_score":0.026225058},{"intent":"Explain cost of tdd coverage","confidence_score":0.00549315},{"intent":"Understand tdd criteria","confidence_score":0.0000109263765},{"intent":"Advise on tdd coverage","confidence_score":0.0027541365}]},{"text":"Is there a certain level of income that you might wanna cover yourself for, like, you know, one, two, five, ten years of income replacement? No. Not really.","start_word":3229,"end_word":3256,"intents":[{"intent":"Explain level of income","confidence_score":0.000094045776}]},{"text":"The first one was valued at 20,000. Which of your vehicles would you value with that?","start_word":3402,"end_word":3417,"intents":[{"intent":"Value vehicle","confidence_score":0.0077134105}]},{"text":"Do you have any other assets that you will wanna note down? Any other cars, boats, caravans, collections, tools of trade, cryptocurrency, No. shares?","start_word":3736,"end_word":3759,"intents":[{"intent":"Note down assets","confidence_score":0.045621455}]},{"text":"And just a phone number if you know it? Have you got Sorry.","start_word":3860,"end_word":3872,"intents":[{"intent":"Update contact information","confidence_score":0.51024634}]},{"text":"It's just an ex of kin there. So if we are unable to get a hold of you, we can call Lisa Yep. just to check to see if everything's okay and how we contact you. But it's no personal information can be given to make it easier for you. Okay? Yep.","start_word":3959,"end_word":4010,"intents":[{"intent":"Request call","confidence_score":0.00056311436}]},{"text":"But everything else that you've got outside of super so think about your cars, your collectible cars. You've also got your savings accounts and all your your, you know, things there. All of that would have to be essentially collected, sold up, passed on to beneficiaries without having a willing pay in place you do.","start_word":4154,"end_word":4208,"intents":[{"intent":"Define super assets","confidence_score":0.0034320827}]},{"text":"We'll then provide additional advice on how to draw down your income, how to make it last, and make sure you are in the correct risk profiling side of things as well.","start_word":4450,"end_word":4481,"intents":[{"intent":"Provide advice","confidence_score":0.2627122}]},{"text":"And we've outlined it as more of a set dollar figure fee. So it doesn't essentially works at how much you're going to pay for the year, and you don't pay more than that. But it's still just 1.65% as it has been for yourself for this year. Okay?","start_word":4513,"end_word":4561,"intents":[{"intent":"Clarify pricing and investment strategy","confidence_score":5.4049938e-8}]},{"text":"When you get some time, if you can run your eyes over those annual review documents for me just to kind of sign and return those back.","start_word":4592,"end_word":4618,"intents":[{"intent":"Review documents","confidence_score":0.021246996}]},{"text":"When we sort of look at where you're at at the moment, the reason I kind of earlier went into what age you're sort of looking to access your super is that you are 57 this year.","start_word":4807,"end_word":4843,"intents":[{"intent":"Check investment age and anticipated future performance","confidence_score":6.6099986e-8}]},{"text":"But I just wanted to go through a couple of questions to assess whether we should maybe start reducing the risk for you as well. Okay. Yep.","start_word":4907,"end_word":4933,"intents":[{"intent":"Assess risk management","confidence_score":0.0045810957}]},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or do you see borrowing to invest in those sorts of investments is too risky and have only ever wanted to borrow for, say, property? No.","start_word":5165,"end_word":5214,"intents":[{"intent":"Discuss investment options","confidence_score":0.00006984934}]},{"text":"So it does sort of show from where you are currently invested in that 80% growth investments that we should start maybe just in that 80% growth investments that we should start maybe just dropping the risk level a little bit for you. Did you want to look at maybe reducing your risk level now, or did you wanna just hold off for six months when we do a bit of a catch up and we reassess the investments then? How do you feel?","start_word":5256,"end_word":5339,"intents":[{"intent":"Discuss risk level","confidence_score":0.0036494683}]},{"text":"And in the meantime, I'll focus on the insurance side of things for you. Does that sound appropriate and okay? Have I missed anything at all? Not.","start_word":5429,"end_word":5455,"intents":[{"intent":"Discuss insurance","confidence_score":0.07128397}]},{"text":"I also just had to hit a couple of additional goals that we had noted down in the past there. You were looking at maybe keeping an eye out for a potential new property. Is that something you're still looking at doing? Or No. Not now. nope. That's okay. I'll just remove that goal. Easy.","start_word":5461,"end_word":5515,"intents":[{"intent":"Reconsider retirement goals","confidence_score":0.00023571479}]},{"text":"And then having a think about your super, I've got down here that we're sort of tracking forward looking to try and access super and hopefully retire around about the age 65.","start_word":5517,"end_word":5548,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.018882453}]},{"text":"Before I let you go, I am just gonna book you in to have a bit of a preassessment with my colleague as I mentioned before. Is there a day or time that normally suits you better?","start_word":5805,"end_word":5841,"intents":[{"intent":"Schedule preassessment","confidence_score":0.12441894}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Carrie. This is Dana from MoView Financial. How are you this afternoon? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.17769619822502136},{"text":"Good. Thanks. That's good. I had you booked in to go through your annual review today. Is now still a good time there for you?","start_word":15,"end_word":39,"sentiment":"positive","sentiment_score":0.4646354019641876},{"text":"Yeah.","start_word":40,"end_word":40,"sentiment":"neutral","sentiment_score":0.3265579342842102},{"text":"Fantastic.","start_word":41,"end_word":41,"sentiment":"positive","sentiment_score":0.5866899490356445},{"text":"Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for us Please. to proceed with that? Yes.","start_word":42,"end_word":75,"sentiment":"neutral","sentiment_score":0.15412211418151855},{"text":"Fantastic.","start_word":76,"end_word":76,"sentiment":"positive","sentiment_score":0.4905518293380738},{"text":"And just a little quick security check there for you as well just because we are discussing your personal information. I'll get you to confirm your full name, your date of birth, and address I should have on file here. Carrie John Damon. '15 Yeah. 769. 245 Beck River Road in Norfolk.","start_word":77,"end_word":128,"sentiment":"neutral","sentiment_score":0.14771874248981476},{"text":"Lovely. Thank you so much for that.","start_word":129,"end_word":135,"sentiment":"positive","sentiment_score":0.621433675289154},{"text":"Carrie, as part of your annual review, I do send through some documents to you. Are you able to access your emails here at the moment? If you can't, it's okay. I can run through them. That's alright. Yeah. Not an issue. I'll send them through to you. That way, they're in your inbox ready to go for you to have a little a look at later on, and I'll run you through the bits and pieces that we need to, and we'll reassess your goals and see if there's any new advice to sort of look at providing for you this year. Okay? Yep. Excellent. How's your day been so far? Did you work today? Yeah. Pretty busy. Yeah? Are you finished for the day now? You get to put your feet up after this? Yep. Not finished today.","start_word":136,"end_word":275,"sentiment":"neutral","sentiment_score":0.17374590039253235},{"text":"Fantastic. Excellent.","start_word":276,"end_word":277,"sentiment":"positive","sentiment_score":0.3713048696517944},{"text":"Carrie, firstly, I'll go through and give you a bit of an update on your sofa. Before I kinda go through that, is there any particular questions you might have for me today that you wanted me to sort of touch on, or is it just giving you an update on where things are at? And Just want an update on where things are at and how's it going. That's yeah. all.","start_word":278,"end_word":349,"sentiment":"neutral","sentiment_score":0.15096701681613922},{"text":"Fantastic.","start_word":350,"end_word":350,"sentiment":"positive","sentiment_score":0.471154272556305},{"text":"Well, just that was to give you an update on your balance there. So as of the August 26, which is when we provide the documents, that your super balance is sitting at a $185,390.41 there.","start_word":351,"end_word":386,"sentiment":"neutral","sentiment_score":0.14307212457060814},{"text":"So it is good. We have definitely seen an increase there for you. Your balance as of today's date were up to a 185,321 in your super there. So you've had a little bit more additional additional growth on the year.","start_word":387,"end_word":427,"sentiment":"positive","sentiment_score":0.529403030872345},{"text":"When we sort of look at how your investments have performed as a whole over the past twelve months there, the net return is showing 8.08%.","start_word":428,"end_word":453,"sentiment":"neutral","sentiment_score":0.2906922996044159},{"text":"So it is a good return.","start_word":454,"end_word":459,"sentiment":"positive","sentiment_score":0.5700786709785461},{"text":"When we look back to your balance this time last year, you were sitting at a 163,619. Some people do prefer a a dollar figure as opposed to a percentage. So if you look at the gross plus the income within your super over the past twelve months after fees, you've made $16,911.85, sir.","start_word":460,"end_word":513,"sentiment":"neutral","sentiment_score":0.08137774467468262},{"text":"So it is good.","start_word":514,"end_word":517,"sentiment":"positive","sentiment_score":0.4632297158241272},{"text":"You have seen a good increase in the last twelve months there Alright. and Is that making just over 16,000. is that the sleeping that I'm paying in, or that's just the what I've made? That is the growth and the income. So it's essentially the income that's being generated out of the portfolio and any additional growth there. That's not necessarily looking at your contributions going in. That's what the portfolio has generated. Okay. Yep. Yeah. And it's net of fees too. It it was set to be about a 8.08% return, which is actually very good for the year there as well. When I still look at how you invested with your portfolio, now my colleague, Kyle, he actually provided advice to you last year to alter your portfolio, and he's got you in more of a growth portfolio. I was having a look back at your goals last year when you sort spoke to him, and he kind of made mention, well, the goal I have here is that was that you wanted to ensure your super was actively invested and that you're getting the returns that will assist you with growth. Now I just wanted just to clarify, when you say actively managed, are you sort of looking at having active investment managers in your portfolio to take on a bit more risk to get greater potential returns, or is it more just having us sort of look after the portfolio? How did you sort of want things actively managed? Sorry. Hard questions. Yeah. I'm not I'm not too sure. No. That's okay. One of the things I sorta noticed was because there are active managers, and one of the active managers you previously had in your super fund was Bennelong. You probably remember that was in your super fund back in the day. Bennelong is more of an actively managed fund. The good thing is that when Kyle provided that advice to you last year, that was around about July, that was all switched over, and you were moved out of that Bennelong investment.","start_word":518,"end_word":866,"sentiment":"neutral","sentiment_score":0.06313450237399869},{"text":"It worked in your favor because the portfolio he's put you in has actually performed better.","start_word":867,"end_word":882,"sentiment":"positive","sentiment_score":0.34014102816581726},{"text":"Unfortunately, after that advice was provided, the Bennelong investment hasn't performed as well.","start_word":883,"end_word":895,"sentiment":"negative","sentiment_score":-0.4110749661922455},{"text":"So Kyle moved you out of that investment prior to it tanking and which means your your super has performed much greater than anyone that was still in that investment there. But you are in more of a passively managed portfolio. It's not more of an actively managed portfolio. The main difference between the two is having active managers means that those investment managers are trying to pick and tie the market. They're trying to pick when to invest, what to invest in. You can pay a little bit more in investment fees to have those sorts of active managers in your portfolio. And the other way to invest is more passive. So how do you portfolio. And the other way to invest is more passive. So having investments and ETFs that track the indices or track an index fund more often than not. Having passively managed portfolios can outperform and provide a greater return than having an active manager in there because the active manager doesn't always meet the benchmark. They don't always outperform against the market. They don't always time the market very well. Thinking forward, are you comfortable kind of having a more passively managed portfolio, or did you wanna take a bit more risk and have active managers in your portfolio? How do you feel about that? No. Just leave it as it is.","start_word":896,"end_word":1123,"sentiment":"neutral","sentiment_score":0.014840618707239628},{"text":"You're happy with that? Yeah. That's absolutely fine.","start_word":1124,"end_word":1131,"sentiment":"positive","sentiment_score":0.47312453389167786},{"text":"The other thing I sort of wanted to touch on is when you do get a little bit older, sort of between the fifties and sixties, sometimes it is better to take a little bit less risk in the market where you can. You still wanna make your super work. But having those passively managed portfolios means that you are also diversifying and taking a little bit less risk in the market. They can also be cheaper. So a part of keeping your super working harder is trying to limit the amount of fees where possible. And so having a cheaper portfolio can mean more money stays invested, and you're super working harder for you. Does that all make sense so far? Yep. Yep. Yeah.","start_word":1132,"end_word":1256,"sentiment":"neutral","sentiment_score":0.19574743509292605},{"text":"Beautiful. Excellent. So I've sort of established you're happy to keep that passive portfolio. It is working really well with you, and, honestly, you've made a really great return this year, especially with the ups and downs the market has sort of felt and seen. So I'm pretty happy with that. What I still wanted to look at moving forward was what else we can kind of do to help provide a bit of additional growth to your super and kinda keep it working harder.","start_word":1257,"end_word":1341,"sentiment":"positive","sentiment_score":0.5854342579841614},{"text":"When are you sorta hoping to retire? I had down here age 70. Is that still your goal age, or you think you'd like to retire earlier? What's your thoughts so far? Oh, yeah. I'd like to retire early. I've yeah. Yeah. Let's see how Depends. it goes. Yeah. Absolutely. Income wise, I have you earning about 73,000 per annum. Is that still correct, or has that gone up since last year? No. It's that sign. Yep. The same? Excellent. So another way I think we can sort of look at or another way of helping to boost your super and provide you know, make it work a bit harder for you is to increase contributions in the super. Are you in a position where you could be salary sacrificing or putting more into super to help grow it a little bit faster so you might be able to retire earlier? Probably not at the moment. Okay. No. That's okay. That's not a problem at all. Did you want me to maybe sort of catch up, let's say, in six months when we can maybe reevaluate and see if that's something you're able to do maybe early next year? Would that be a possibility? Or Yep. Definitely. Yeah.","start_word":1342,"end_word":1549,"sentiment":"neutral","sentiment_score":0.04953768838626834},{"text":"Excellent. Lovely.","start_word":1550,"end_word":1551,"sentiment":"positive","sentiment_score":0.7346464991569519},{"text":"And, look, there are some other strategies. So having a look at things at the moment, you're 57 this year. So you just recently turned 57 in July there. When you do turn 60, there are other strategies that we can put in place as well. I'm not sure if anyone's ever spoken to you about a transition or time and strategy, but it's kind of a really cool strategy where you can be salary sacrificing or adding more contributions in the super. But because of your age, we'll be able to keep your take home pay the same and draw a little bit out to replenish your income. So when you do happen to turn 60, if you like, we can sort of reassess other strategies that might provide an option. Until then, essentially, your salary sacrificing or adding additional contributions is the best way to, you know, help you super work a little bit harder there. And I'm just making a note that we'll touch base in six months and reevaluate whether that's an option for you. Does that sound okay? Yeah. Beautiful. Under the current under the current legislation, if you decide to retire at the age of 60, which you can do, and access your super wholly, you can access it fully tax free. Are you sort of thinking you wanna retire around about that age, or are you sort of hoping to or wanting to continue working a bit longer than maybe age 65, 67? What age, realistically, would you like me to keep as a goal for you to work on? Yeah. I'm looking at probably the sixty sixty five or something. 65? Yep.","start_word":1552,"end_word":1831,"sentiment":"neutral","sentiment_score":0.07194606214761734},{"text":"Beautiful.","start_word":1832,"end_word":1832,"sentiment":"positive","sentiment_score":0.3659250140190125},{"text":"I'll just update your goal there for you.","start_word":1833,"end_word":1840,"sentiment":"neutral","sentiment_score":0.29405802488327026},{"text":"Fantastic.","start_word":1841,"end_word":1841,"sentiment":"positive","sentiment_score":0.4421281218528747},{"text":"And have you thought about what kind of income you might like to live on or draw down out of super in retirement? I think last time we caught up, you were thinking $500 per week. Is that still looking like your goal, or do you think you might need to live on more? No. Yeah. More, I reckon. Yeah. That's okay. Did you want me to maybe boost it up a bit more to say $6.07, or $1,000 a week for the goal just to sort of see? Yeah. Well, yeah. From your family.","start_word":1842,"end_word":1936,"sentiment":"neutral","sentiment_score":0.10195028499553078},{"text":"Yeah. Perfect.","start_word":1937,"end_word":1938,"sentiment":"positive","sentiment_score":0.5355371832847595},{"text":"One of the big things is when we're sort of looking at the income component now, that's just sort of looking at a goal so we can kind of track things forward for you. But when you actually get to the point where you retire, at that time, we'll look at what you need to live on, what you want to live on, how much you need to drive a sleeper, and then how we draw that out. So up until the point you actually retire, it is just a goal, sort of looking at, you know, how we can sort of track and predict things forward. But we'll look at your income and your income needs at retirement when we get to that point for you. Okay. Yep. Yep.","start_word":1939,"end_word":2068,"sentiment":"neutral","sentiment_score":0.2178781181573868},{"text":"Excellent. Fantastic.","start_word":2069,"end_word":2070,"sentiment":"positive","sentiment_score":0.6040496826171875},{"text":"Has there been any changes in your role over the last twelve months? You're still a machine operator? Have you had any promotions or changes to your job? Yeah. I'm seeing your eligibility buzzer now. Nice. And what does what does that mean you do on a daily basis? So yeah. I'll just run the job site. Yep. Beautiful. And it didn't come with a pay rise?","start_word":2071,"end_word":2137,"sentiment":"neutral","sentiment_score":0.0919184312224388},{"text":"That's a shame. You're definitely worth more.","start_word":2138,"end_word":2144,"sentiment":"negative","sentiment_score":-0.5419304966926575},{"text":"No. I did get a little one that yeah. I've gotta actually put in for another one now, actually. Absolutely. Well, I think you should definitely get on that when you get back to work.","start_word":2145,"end_word":2179,"sentiment":"neutral","sentiment_score":-0.05760630592703819},{"text":"Absolutely. Fantastic. And then the other thing we do like to touch on is, obviously, your sleep is doing quite well.","start_word":2180,"end_word":2200,"sentiment":"positive","sentiment_score":0.38626858592033386},{"text":"We've touched on the return then, that sort of aspect. Having a look at things now, you don't have any insurances, no life, TBD, income protection, trauma, insurance, or personal insurances like those. You sort of happy and comfortable not having any personal protection or personal insurances. Did you wanna sort of talk about what they are, how they can look after you, and what they look like? Or are you happy with the way things are structured? Probably law insurance. Life insurance? Yep. With the way life insurance is structured, so it pays out a lump sum benefit if you were to pass away. With not having any life insurance paid out of your super at the moment, it means that your your super balance is all that would be paid out to your beneficiary. Just to double check I have everything correct, in the event of passing, who is it that you want your super to be paid out to or your life benefit paid out to? Receiving. Your siblings? Yep. Yep. That's okay. I'm just double checking to see what I have on record here for you under the beneficiaries. So I've got here your beneficiary nomination, 33 to be paid out to Courtney, 34 to Jake, and 33 to Jai. Is that correct? Yep. I have them noted as children. Is that accurate? Yes. Yep.","start_word":2201,"end_word":2429,"sentiment":"neutral","sentiment_score":0.0831650002944938},{"text":"Beautiful. So having the all it's paid out to your three children is the way you would like that to be paid.","start_word":2430,"end_word":2451,"sentiment":"positive","sentiment_score":0.41103652119636536},{"text":"Yep. Yep.","start_word":2452,"end_word":2453,"sentiment":"neutral","sentiment_score":0.21426039934158325},{"text":"Beautiful.","start_word":2454,"end_word":2454,"sentiment":"positive","sentiment_score":0.550931453704834},{"text":"So having you think about the life cover, sort of looking at the way it's structured at the moment not having any additional life benefit if you were to pass away today, your super benefit is what's paid out to them. That's based on the balance of a $185,390.41 there. I can see here, looking at things, you don't have any debt. Is that right? Do you have a mortgage or any additional debts that would have to be paid out from that money? No. No. That's okay. Do you feel like that that $1.85 is enough that you would have paid out to your three children, or did you wanna look at getting a bit of life covered a supplement if you would have passed away? Or how do you feel? Yeah. I'll I'll do yeah. I was hoping I want some large cover. Yep. That's okay. Is there a set amount of life cover you would like to have for yourself, or is it just enough to meet a certain goal? I'm not sure what it costs or anything or how much. Yeah. That's okay. So how it would sorta work is you would sorta give me a goal, and I go back and work out and look at all the different insurers to work out what kind of life cover would be available. I would need to also make sure my team can do a pre assessment with you. So when I'm looking at providing advice around insurances, we wanna understand your health in detail so we know when we go out to the market what kind of insurance contract would be offered for you, how it looks, what the cost of it might be. There's a few things that we definitely look at as part of the research there. Did you want me to go out and do all do that research for you and maybe update the advice to reflect to getting a life policy and what that might look for yourself and your super? Yes. Yep. Yep.","start_word":2455,"end_word":2797,"sentiment":"neutral","sentiment_score":0.05705258112303022},{"text":"Beautiful.","start_word":2798,"end_word":2798,"sentiment":"positive","sentiment_score":0.6112356781959534},{"text":"After the call, I'll get you booked in with one of my lovely team to do a bit of a pre assessment, and then I can go out to the market and have a look at what's on offer. We'll come back with the advice, show you what we're recommending, and then it's up to you to decide whether you're happy to take those recommendations or not. Does that sound okay, Carrie? Yep. Yeah.","start_word":2799,"end_word":2872,"sentiment":"neutral","sentiment_score":0.2603316307067871},{"text":"Beautiful.","start_word":2873,"end_word":2873,"sentiment":"positive","sentiment_score":0.42204219102859497},{"text":"So we're looking at life cover. Now do you think that maybe just the base level of life cover, a 100,200 thousand, $2.50, 500,000, what sort of benefit do you think you'd like to be covered for? Yeah. Then then the 300. About 300,000?","start_word":2874,"end_word":2917,"sentiment":"neutral","sentiment_score":0.06855664402246475},{"text":"Good.","start_word":2918,"end_word":2918,"sentiment":"positive","sentiment_score":0.3425157070159912},{"text":"Yep.","start_word":2919,"end_word":2919,"sentiment":"neutral","sentiment_score":0.30476677417755127},{"text":"Beautiful.","start_word":2920,"end_word":2920,"sentiment":"positive","sentiment_score":0.5287204384803772},{"text":"So 300,000 then having your super paid out to your beneficiaries on top of that. So it's essentially giving you about 485,000 of cover. Does that sound appropriate? Are you fairly comfortable with that? Yep. Yep.","start_word":2921,"end_word":2956,"sentiment":"neutral","sentiment_score":0.22326414287090304},{"text":"Beautiful.","start_word":2957,"end_word":2957,"sentiment":"positive","sentiment_score":0.4236096441745758},{"text":"There are other types of personal insurances like total permanent disability coverage, pays out a lump sum or an income stream if you're unable to ever go back to work again, income protection and trauma. Did you wanna look at any of those, or you're just happy to have a bit of life cover? It's titled permanent disability or yeah. Yeah. Yeah. Did you sort of want the same level of TBD as life, or is there a set goal or a set amount you would like to be covered for? That. No. I'm just I don't know. I'm not sure. Whatever. That's okay. If we think about what TBD covers you for and what it is, it essentially pays out a benefit if you're never able to go back to work again. So if you think about the types of things that could go wrong in your job, things that could stop you from ever going back to work again, essentially, you would need to maybe I mean, you don't have any debts to pay out. But are you renting where you're located? Do you have rental costs on a weekly or fortnightly basis? Yes. Yeah. So if you weren't able to work again, those rental costs would definitely will absolutely continue. Plus, some people who are going through a TBD might have ongoing rehabilitation, might wanna replace their income for a certain period of time. They may, you know, need to make alterations to the car, things like that to support them with the disability that they encounter if the event that you were unable to go to work. Is there a certain level of income that you might wanna cover yourself for, like, you know, one, two, five, ten years of income replacement? No. Not really. No. That's okay. Did you want me to just look at the same level of TPD as life cover, make the recommendation, Yes. Yep. and show you what the cost of that is, the advantages, disadvantages, and risks? And then we can always readjust it if if that needs to be. Does that sound alright? Yep. Yep. Yeah. Beautiful. Sorry. I ask all the No. questions you've probably never thought about answering before. That's all good. And so we're just looking at life and TPD. You don't wanna look at any other types of insurances. You're fairly comfortable with everything else?","start_word":2958,"end_word":3357,"sentiment":"neutral","sentiment_score":0.024896116252057253},{"text":"I'm more than a bit of a real shit.","start_word":3358,"end_word":3366,"sentiment":"negative","sentiment_score":-0.6411404609680176},{"text":"Yeah.","start_word":3367,"end_word":3367,"sentiment":"neutral","sentiment_score":0.04879332706332207},{"text":"Beautiful. Excellent.","start_word":3368,"end_word":3369,"sentiment":"positive","sentiment_score":0.3828560113906861},{"text":"I do have your assets noted down here. Now I do apologize. I have three cars noted. I don't know what types of cars they are. I'll update them with you now. The first one was valued at 20,000. Which of your vehicles would you value with that? 20,000. Yeah. Oh, that'd be a tow I would call Colorado. Okay. Alright.","start_word":3370,"end_word":3430,"sentiment":"neutral","sentiment_score":0.017400751714823675},{"text":"Beautiful.","start_word":3431,"end_word":3431,"sentiment":"positive","sentiment_score":0.3506709337234497},{"text":"And would you still value it about the same? Yep. Yes.","start_word":3432,"end_word":3442,"sentiment":"neutral","sentiment_score":0.10647185891866684},{"text":"Fantastic.","start_word":3443,"end_word":3443,"sentiment":"positive","sentiment_score":0.602093517780304},{"text":"And there's no debt owing on that one. I owned completely outright. Yep.","start_word":3444,"end_word":3456,"sentiment":"neutral","sentiment_score":0.275391548871994},{"text":"Fantastic.","start_word":3457,"end_word":3457,"sentiment":"positive","sentiment_score":0.5750657320022583},{"text":"I've got a second vehicle noted down here. The asset value we had last year was 50,000. What sort of vehicle would you be valuing about that? It's an old Holden. Beautiful. What sort of Holden? E h 63 model, e h Holden. Oh, nice. 63. Is it one that you've done up or doing up? No. It's all done. Beautiful. And would you keep the value of 50,000? Is it more of a classic? Yep. Yep. Yep. Beautiful. I've also got here another another car asset value of 90,000. Which of your vehicles would have been valued about that? It's another old home. It's a '73 model HQ. Beautiful. Definitely a Holden man, I see. Yep. I've also got your boat down here with a value of 22,000. Do you still have your boat? Yep. Yep. Beautiful. Yep. And that value would be boat, motor, trailer, everything? Yep. Fantastic. And No. then savings, we had about 80,000 sitting in the bank. Do you still have that? No. It's all gone. Do you have any sort of savings or any of that left sitting in the account? No. No. No. That I'll just note that down there for you. Beautiful. What you end up doing with the 80,000? Was that just, like, living expenses and helping you along? Was there a specific, goal or anything you used it for? No. I'll put it into a car. Oh, nice. Nice. Yeah. Beautiful. Is that another car that you purchased, or was it doing up the other three that you have? He's doing up the other two. Yeah. Yeah. The 63 and the '70 three Holdens? Yep. Yep.","start_word":3458,"end_word":3733,"sentiment":"neutral","sentiment_score":0.02922292041551808},{"text":"Fantastic. Lovely.","start_word":3734,"end_word":3735,"sentiment":"positive","sentiment_score":0.7416049242019653},{"text":"Do you have any other assets that you will wanna note down? Any other cars, boats, caravans, collections, tools of trade, cryptocurrency, No. shares? Nothing? No. That's okay. No. That's absolutely fine. Not a problem. And you're renting, you mentioned. How much rent are you paying on a regular basis? I'm not well, yeah. I'd I'll pay $700 a fortnight. I'll live with my partner. Yep. Okay.","start_word":3736,"end_word":3802,"sentiment":"neutral","sentiment_score":0.05721927061676979},{"text":"Beautiful. Fantastic.","start_word":3803,"end_word":3804,"sentiment":"positive","sentiment_score":0.5507991313934326},{"text":"I don't have anyone noted down here as a next of kin on file. I should probably update that for you as well. If in the event we were unable to get a hold of yourself, who would you want nominated as your next of Jake. kin? Jake. Lovely. And what's your surname? Perfect. Excellent. And just a phone number if you know it? Have you got Sorry. I think it's more heaven. He's one of the beneficiaries. Oh, we don't have phone numbers on the beneficiary Right. side of things. No. No. Sorry. That for very limited information. I can I can put another one there? Yes. Yep. Perfect. Who would you like to nominate? Lisa. East. Lisa Lovely East. Yep. And Lisa's relationship The to yourself? partner. Oh, partner. Beautiful. Fantastic. And do you know her phone number at all? What's your phone number? 0409 Yep. 002. 002. 196. Yep. 196. Fantastic. It's just an ex of kin there. So if we are unable to get a hold of you, we can call Lisa Yep. just to check to see if everything's okay and how we contact you. But it's no personal information can be given to make it easier for you. Okay? Yep. Yep. Excellent. Now your three children down here as your beneficiaries, are they all over 18? Yes. Yep. So not tax dependents.","start_word":3805,"end_word":4032,"sentiment":"neutral","sentiment_score":0.02737022377550602},{"text":"Beautiful. Beautiful. Thank you for updating that for me.","start_word":4033,"end_word":4041,"sentiment":"positive","sentiment_score":0.587695300579071},{"text":"And the other thing to sort of have a look at is the estate planning side of things. So I can see here last time we sort of checked in, you didn't have a will power of attorney set up. Is that something yourself and Lisa have talked about the past doing? Not not yet. No. That's okay. It is something as well worth looking at. We obviously have your beneficiaries on file for your super, which means in the event of you passing your super, it can be directed out to, you know, where you wanted to go, your three kids as per your record as per what your wishes are. But everything else that you've got outside of super so think about your cars, your collectible cars. You've also got your savings accounts and all your your, you know, things there. All of that would have to be essentially collected, sold up, passed on to beneficiaries without having a willing pay in place you do. Possibly in test date, which means that everything kinda goes to has to go through a probate process. It goes through a legal process so people can come forward and stake a claim on your assets. No guarantees that they're gonna get anything, but they can stake a claim there.","start_word":4042,"end_word":4258,"sentiment":"neutral","sentiment_score":0.08254604041576385},{"text":"So it is definitely worth having a will and a power of attorney done up by a solicitor to make sure that everything is handed to where you want it to go, especially you've got those two very nice collectible cars there, which will hopefully just build in value as as time goes on.","start_word":4259,"end_word":4312,"sentiment":"positive","sentiment_score":0.46098342537879944},{"text":"So it is definitely Yes. worth having a think about and doing out. Okay?","start_word":4313,"end_word":4326,"sentiment":"neutral","sentiment_score":0.25797659158706665},{"text":"Yes. Excellent.","start_word":4327,"end_word":4328,"sentiment":"positive","sentiment_score":0.5138671398162842},{"text":"Now in the documents that I have sent through to, you've got a copy of your super rundown, which has your super balance there as I went through before. It's also got a copy of your performance report there. It does also have in there our financial services guide, which outlines everything about who we are, what we do, and how we do it. And then it does also have your ongoing service agreement there as well. So you are an ongoing client.","start_word":4329,"end_word":4411,"sentiment":"neutral","sentiment_score":0.23743732273578644},{"text":"You do pay an ongoing service fee of 1.65% for us looking after your super, providing ongoing support and advice there as well, and helping you work towards your goals.","start_word":4412,"end_word":4441,"sentiment":"positive","sentiment_score":0.4127913117408752},{"text":"That doesn't stop when you hit retirement. We'll then provide additional advice on how to draw down your income, how to make it last, and make sure you are in the correct risk profiling side of things as well. So with this ongoing service fee, it's still 1.65% for the year. It's just that we've updated things. So once your balance is over 200,000, you'll drop down into a tiered structure. And we've outlined it as more of a set dollar figure fee. So it doesn't essentially works at how much you're going to pay for the year, and you don't pay more than that. But it's still just 1.65% as it has been for yourself for this year. Okay? Do you have any questions Yep. about how the ongoing service fee works? Or No. That's fine. same as it has been the last few years, maybe easier.","start_word":4442,"end_word":4589,"sentiment":"neutral","sentiment_score":0.11305554115490334},{"text":"Fantastic. Yep.","start_word":4590,"end_word":4591,"sentiment":"positive","sentiment_score":0.5495927333831787},{"text":"When you get some time, if you can run your eyes over those annual review documents for me just to kind of sign and return those back. If you do find you have any questions, you're welcome to let me know. The last thing I wanted to sort of look at was your risk profiling just to sort of make sure you are invested correctly. Now one of the things that Kyle would have spoke to you about last year was you invested in more of a growth asset a growth environment. So it generally sees about 80% of your super invested in growth assets. So you're thinking things like Australian shares, international shares, listed property, and commodities like gold and silver. So precious metals there. That sort of environment is suited to someone who has about six years before accessing their super there. They are realistically, this kind of environment, you're sort of looking to obtain about a seven to 9% on a regular basis. Anything over 9% seen as a very good year. Anything under seven is a bit of an underperformance there. But the expectation for the ups and downs in the market is normal, and we do expect a negative year around about one in every sort of five years there. When we sort of look at where you're at at the moment, the reason I kind of earlier went into what age you're sort of looking to access your super is that you are 57 this year. So we wanna make sure that when you do get closer to accessing super, when the time is right, we start to reduce your risk down a little bit. If you're happy to keep working till the age 65, it does mean that you have eight years ahead of you there, so you can still be in this environment a little bit longer. But I just wanted to go through a couple of questions to assess whether we should maybe start reducing the risk for you as well. Okay. Yep. The first one here is, essentially, inflation means that things are getting more expensive over time. When you think about your super, how much risk are you comfortable taking to get the better returns knowing there's a downside to that as well? Do you consider yourself to be very much a high risk taker? You want the best returns you can possibly get even though you know there is the risk of a downside? Are you considering yourself more moderate or medium in the middle to get the best returns you possibly can, or are you not comfortable taking risk in the market and you understand the returns are lower because of that? Where do you see yourself bidding on that scale? In the middle. In the middle? Beautiful. The next one here is if you saw your super fall by 20% over the next, say, six to twelve months, sir, due to what was happening globally in the markets, how do you think you might be feeling? Are you thinking it's a investment opportunity, wanna put more money into the market and take advantage of that time frame? Are you a bit nervous, maybe holding and waiting, calling us and seeing what we suggest you do, or are you wanting to sell your investments to cash? You're a bit nervous. I'll I'll just leave it up to use. Beautiful. Sorry. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or do you see borrowing to invest in those sorts of investments is too risky and have only ever wanted to borrow for, say, property? No. No. No. I wouldn't borrow it. No. That's okay. Beautiful.","start_word":4592,"end_word":5224,"sentiment":"neutral","sentiment_score":-0.009904936724011368},{"text":"Excellent. Perfect. Thank you for that.","start_word":5225,"end_word":5230,"sentiment":"positive","sentiment_score":0.4261794984340668},{"text":"Sorry about that. So where you have sort of scored at the moment, you have sort of scored in more of that moderate environment. So it does sort of show from where you are currently invested in that 80% growth investments that we should start maybe just in that 80% growth investments that we should start maybe just dropping the risk level a little bit for you. Did you want to look at maybe reducing your risk level now, or did you wanna just hold off for six months when we do a bit of a catch up and we reassess the investments then? How do you feel? No. It will hold off for six months. Yep. Yep. That's absolutely fine. Realistically, with that eight year time horizon, as long as you're wanting to, you know, stop working in the next sort of three to four years, it you find a stay where you are for the moment. We sort of agreed early that we'd catch up in six months anyway just to sort of reassess how the super is going, talk about additional contributions so we can also reassess the risk level then for you as well. And in the meantime, I'll focus on the insurance side of things for you. Does that sound appropriate and okay? Have I missed anything at all? Not. That's fine. That's okay.","start_word":5231,"end_word":5459,"sentiment":"neutral","sentiment_score":0.009022583241480928},{"text":"Beautiful.","start_word":5460,"end_word":5460,"sentiment":"positive","sentiment_score":0.40806087851524353},{"text":"I also just had to hit a couple of additional goals that we had noted down in the past there. You were looking at maybe keeping an eye out for a potential new property. Is that something you're still looking at doing? Or No. Not now. nope. That's okay. I'll just remove that goal. Easy. Lovely. And then having a think about your super, I've got down here that we're sort of tracking forward looking to try and access super and hopefully retire around about the age 65. You sort of mentioned to me you're happy with more of a lower risk passive portfolio. Does that sound about right? Is there any Yep. sort of changes to that? Sounds comfortable? No. No changes. Fantastic.","start_word":5461,"end_word":5584,"sentiment":"neutral","sentiment_score":0.06819900125265121},{"text":"Excellent.","start_word":5585,"end_word":5585,"sentiment":"positive","sentiment_score":0.3360493779182434},{"text":"And in retirement, you just wanna spend some time with family. I have is what your goal is. Is that fairly accurate? Any other changes to what you'd like to do in those retirement years? No. Just the same.","start_word":5586,"end_word":5624,"sentiment":"neutral","sentiment_score":0.1152755171060562},{"text":"I like it. Simple and nice. Excellent.","start_word":5625,"end_word":5631,"sentiment":"positive","sentiment_score":0.5353747010231018},{"text":"In the next one to two or even five years, do you have any other goals that you're looking to achieve or anything else that you'd like to note down goal wise? No. No. No. Just nice and simple. Work for a few more years, build safe, and retire. Is that right? That's Yep.","start_word":5632,"end_word":5685,"sentiment":"neutral","sentiment_score":0.019772687926888462},{"text":"Beautiful. I like it.","start_word":5686,"end_word":5689,"sentiment":"positive","sentiment_score":0.5220130681991577},{"text":"Is Lisa older or younger than you? Is she likely to retire about it. the same age? No. She's younger. She's younger, so she'll work a little bit longer then. Yep. Yep. That's okay.","start_word":5690,"end_word":5723,"sentiment":"neutral","sentiment_score":-0.0013989843428134918},{"text":"Fantastic.","start_word":5724,"end_word":5724,"sentiment":"positive","sentiment_score":0.5740442276000977},{"text":"Well, look.","start_word":5725,"end_word":5726,"sentiment":"neutral","sentiment_score":0.3054913282394409},{"text":"Thank you so much for your time today, Carrie.","start_word":5727,"end_word":5735,"sentiment":"positive","sentiment_score":0.6311467885971069},{"text":"Essentially, as I said, I've got the annual review pack in your email.","start_word":5736,"end_word":5748,"sentiment":"neutral","sentiment_score":0.3058077096939087},{"text":"If you could have a look at that, sign and return it back for us, it would be greatly appreciated.","start_word":5749,"end_word":5768,"sentiment":"positive","sentiment_score":0.4272722005844116},{"text":"We'll go back and we'll do some research around the insurance side of things there for you and update the recommendations. We're just looking at life and TBD for you. Is that still correct? Yep.","start_word":5769,"end_word":5803,"sentiment":"neutral","sentiment_score":0.2426158636808395},{"text":"Beautiful.","start_word":5804,"end_word":5804,"sentiment":"positive","sentiment_score":0.3561145067214966},{"text":"Before I let you go, I am just gonna book you in to have a bit of a preassessment with my colleague as I mentioned before. Is there a day or time that normally suits you better? A day, and is it morning or afternoon normally the best time for you? Afternoon. Anything after 04:00. Yeah. Absolutely.","start_word":5805,"end_word":5861,"sentiment":"neutral","sentiment_score":0.055972933769226074},{"text":"Perfect.","start_word":5862,"end_word":5862,"sentiment":"positive","sentiment_score":0.3443913161754608},{"text":"Let's have a look. So Mhmm. where are we? This week, we're looking at, wow, it's September this week. That is crazy. If I was to book it in, say, Wednesday or Thursday afternoon this week, would that be okay, or would you prefer maybe next week? Next Next week? Absolutely. I've got Monday or Wednesday. If it's easier, I could always do sort of 05:00 next Wednesday. Would that be okay, or is that too late? week. No. That'd be fine. Yep.","start_word":5863,"end_word":5945,"sentiment":"neutral","sentiment_score":0.011324313469231129},{"text":"Beautiful. Lovely.","start_word":5946,"end_word":5947,"sentiment":"positive","sentiment_score":0.4386872351169586},{"text":"That'll be my admin team member, Samantha. She'll give you a call. Just run through a quick pre assessment. Just an in-depth in-depth health health questionnaire just so I can go out to the market and reassess the types of insurance contracts that might be available, and then we can update the advice to reflect that for you. How does that sound? Yep.","start_word":5948,"end_word":6010,"sentiment":"neutral","sentiment_score":0.15901264500996423},{"text":"Beautiful. Well, look, thank you so much for your time today, Carrie.","start_word":6011,"end_word":6022,"sentiment":"positive","sentiment_score":0.6681023240089417},{"text":"Is there anything that you maybe had question wise that I haven't touched on? Was there any additional questions that have come out of any of the reviews this No. Everything's fine. afternoon?","start_word":6023,"end_word":6055,"sentiment":"neutral","sentiment_score":0.07005774974822998},{"text":"Beautiful. Well, thank you so much for your time. I'll talk to you in a few weeks to go through the advice recommendations. And if you find you do have questions in the meantime, you're more than welcome to let me know.","start_word":6056,"end_word":6097,"sentiment":"positive","sentiment_score":0.4571804404258728},{"text":"Okay? Okay then.","start_word":6098,"end_word":6100,"sentiment":"neutral","sentiment_score":0.2473917305469513},{"text":"Thank you for your time. Enjoy your afternoon.","start_word":6101,"end_word":6108,"sentiment":"positive","sentiment_score":0.7095755934715271},{"text":"Yep. You too. Bye.","start_word":6109,"end_word":6112,"sentiment":"neutral","sentiment_score":0.2953208386898041},{"text":"Thank you. See you later.","start_word":6113,"end_word":6117,"sentiment":"positive","sentiment_score":0.538282036781311},{"text":"Bye.","start_word":6118,"end_word":6118,"sentiment":"neutral","sentiment_score":0.2326938360929489}],"average":{"sentiment":"neutral","sentiment_score":0.10088384825897775}}}}